周延礼：持续发挥保险保障作用 多层次助力乡村振兴

Core Insights - The seminar on "Digital Agricultural Insurance to Green Rural Revitalization" emphasized the role of insurance in supporting rural revitalization through multi-faceted measures [1] - Agricultural insurance in China is transitioning from disaster and cost coverage to income protection, ensuring farmers' income is safeguarded against natural disasters and cost losses [1] - The coverage of major agricultural products related to national food security is being steadily expanded, with efforts to increase insurance participation among smallholder farmers [1] Group 1 - The agricultural insurance product system in China now covers various sectors including planting, breeding, forestry, fishery, and animal husbandry [1] - The insurance types related to rural housing, agricultural machinery, and facilities are gradually being improved [1] - The China Banking and Insurance Regulatory Commission (CBIRC) has introduced management measures to shorten damage assessment timelines and enhance the protection of insured farmers' rights [1] Group 2 - Insurance companies are encouraged to leverage information technology and digital capabilities to enhance claims efficiency and support the development of smart and digital agriculture [2] - A multi-party credit risk-sharing compensation mechanism involving insurance, banks, and government is proposed to alleviate farmers' loan difficulties [2] - The insurance sector should explore health insurance, term life insurance, and accident insurance for rural residents, particularly targeting vulnerable populations [2] Group 3 - Insurance methods are suggested to prevent the return to poverty for those who have escaped poverty due to health or education issues, especially in underdeveloped regions [2] - Continuous reform and innovation in agricultural insurance are expected to contribute significantly to rural revitalization efforts in China [2]