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“银期保”为大豆种植筑起一道风险防线
Qi Huo Ri Bao Wang·2025-09-18 17:38

Core Viewpoint - The "Yinqi Bao" project in Nenjiang has successfully provided financial protection to local soybean farmers against extreme weather and market fluctuations, demonstrating the effectiveness of the "insurance + futures" model in agricultural risk management [1][2][4]. Group 1: Project Overview - The "Yinqi Bao" project was implemented in 2024 to support soybean farmers in Nenjiang, which faced a severe drought that reduced soybean yield by 16.17% [1][2]. - The project involves collaboration among various stakeholders, including futures companies, insurance providers, banks, and grain trading companies, creating a comprehensive risk management ecosystem [2][3]. Group 2: Financial Details - The project provided income insurance for 6,000 acres of soybeans, with a target price of 4,500 yuan/ton and a total premium of 1.8936 million yuan [2]. - Due to the drought and price drop, the cooperative received a total compensation of 2.5614 million yuan, which was 135.3% of the insured amount, effectively covering the income gap caused by the adverse conditions [4][5]. Group 3: Mechanisms and Innovations - The project features a "three-card integration" account management model, ensuring efficient fund flow and timely payments for loans and insurance claims [3]. - It includes a secondary pricing mechanism that allows farmers to benefit from potential price rebounds after the harvest, enhancing their income security [3][6]. Group 4: Future Prospects - The cooperative plans to expand its participation in the "Yinqi Bao" program to include corn and soybeans for 2025, indicating strong confidence in the model [5]. - The "insurance + futures" model has evolved over ten years, aiming to enhance its coverage and flexibility while contributing to national food security and agricultural modernization [7].