“银期保”项目再升级 金融助农底气更足

Core Viewpoint - The "Yinqi Bao" project has significantly improved risk management and financial support for agricultural producers in Heilongjiang, allowing them to stabilize income and expand planting areas despite market fluctuations and adverse weather conditions [1][2][3]. Group 1: Project Overview - The "Yinqi Bao" project is in its third year in Heilongjiang, providing comprehensive protection for farmers with upgraded service models [1]. - The project combines insurance, futures, credit, and orders to create a risk management loop, addressing financing challenges faced by agricultural cooperatives [4][5]. Group 2: Impact on Agricultural Cooperatives - The Kelo Cooperative, established in 2010, primarily grows corn and soybeans and has benefited from the "insurance + futures" model, which helped mitigate losses during adverse weather in 2020 [2][3]. - In 2022, the cooperative received approximately 2.6 million yuan in claims, which effectively compensated for losses due to lower market prices [3]. Group 3: Financial Support and Expansion - The cooperative expanded its planting area from over 80,000 mu to 150,000 mu in 2025, securing 6 million yuan in loans at lower interest rates through the "Yinqi Bao" project [5]. - The project allows farmers to lock in sales prices and manage production based on market demand, enhancing operational planning [6]. Group 4: Risk Management and Market Awareness - The project has increased farmers' awareness of risk management and market dynamics, enabling them to make informed decisions regarding planting and sales [8]. - The extension of the pricing period from two months to six months allows farmers to benefit from potential price increases, addressing the issue of reluctance to sell [7][8]. Group 5: Collaboration and Training - The project involves collaboration among banks, insurance companies, and futures markets, creating a financial support network for farmers [8]. - Comprehensive training sessions have been conducted to ensure all participants understand the project, enhancing transparency and efficiency in the insurance and claims process [7].