“漯河模式”织密风险“防护网”

Core Insights - In 2024, the domestic pig market faced a "winter," with average prices dropping over 15% compared to 2023, leading to losses exceeding 300 yuan per pig. However, the "insurance + futures" project in Luohe City, Henan Province, has provided a safety net for local farmers amid price fluctuations [1][2] Group 1: Project Overview - The "insurance + futures" project, initiated in 2021, has built a price protection "fortress" for local pig farmers, covering 14 farmers and 19,158 pigs in 2024, resulting in over 3.7 million yuan in compensation [1][3] - The project has been recognized as a benchmark under the Dalian Commodity Exchange's "Farmer Income Guarantee Program," demonstrating the effectiveness of financial tools in supporting rural revitalization [1][6] Group 2: Financial Impact - In the first phase of the 2024 project, 11 farmers with 8,717 pigs participated, with a premium of approximately 1 million yuan and a coverage amount of 24.21 million yuan. The compensation rate was about 184.73%, significantly reducing losses for participating farmers [3][4] - The second phase, covering 14 farmers and 10,441 pigs, had a similar premium and a compensation rate of 187.15%, allowing insured farmers to achieve a profit of 328 yuan per ton, compared to 1,003 yuan per ton for non-participating farmers [4][5] Group 3: Collaborative Efforts - The project has expanded across Luohe City, supported by collaboration among futures companies, insurance institutions, and local government, creating a sustainable model for risk management [5][6] - The funding structure involves a 40% subsidy from the local government, 30% from farmers, and 30% from the Dalian Commodity Exchange, ensuring affordability and sustainability for farmers [6][7] Group 4: Transformation and Future Outlook - The "insurance + futures" model has evolved from merely risk hedging to empowering the agricultural industry, reshaping production concepts and enhancing the stability of the pig farming sector [8][9] - Farmers have shifted from passive acceptance of price fluctuations to proactive management, improving their understanding of futures markets and optimizing production strategies [8][9]