“银期保”打造覆盖农作物全周期综合保障方案

Core Viewpoint - The "Yinqi Bao" project, an innovative model of "insurance + futures," aims to provide comprehensive protection for farmers from planting to selling, addressing the challenges of price fluctuations and market risks [1][2]. Group 1: Project Overview - The "Yinqi Bao" project was launched in 2023 and involves a collaboration between leading enterprises, banks, insurance companies, and futures markets to create a full-cycle protection scheme for farmers [1]. - A key advantage of the "Yinqi Bao" project is the introduction of a secondary pricing mechanism after farmers sign grain sale contracts, allowing them to benefit from price increases later on [1]. Group 2: Financial Impact - The cooperative involved in the project expanded its planting area to 150,000 acres, supported by a loan of 6 million yuan from two banks at lower interest rates compared to previous years [1]. - In 2023, the cooperative insured 60,000 acres of soybeans, receiving approximately 2.6 million yuan in claims, which effectively compensated for losses due to price drops [2]. Group 3: Risk Management - The "Yinqi Bao" project transfers risks from farmers to the futures market, meeting farmers' financing needs while reducing banks' bad debt rates, thus achieving dual goals of supporting farmers and risk control [2][3]. - The project incorporates a risk management loop through the integration of insurance, futures, credit, and orders, allowing banks to provide low-interest loans based on insurance policies and orders [3]. Group 4: Market Awareness and Confidence - Participation in the "Yinqi Bao" project has enhanced the cooperative's market awareness and risk management capabilities, allowing them to lock in orders and secure minimum selling prices, thereby reducing operational risks [3].