“保险+期货”： 农户保收增收的“定心丸”

Core Viewpoint - The implementation of the "insurance + futures" model in the pig farming industry of Mengcheng County, Anhui Province, aims to stabilize farmers' income and enhance risk management in the face of market volatility and rising costs [1][2][3]. Group 1: Current Situation and Challenges - Mengcheng County has a pig stock of 700,000 heads and an output of 266,600 heads in the first quarter, making pig farming a significant income source for local farmers [1]. - The local farming structure is dominated by small-scale farmers who face challenges such as frequent price fluctuations, disease control pressures, high feed costs, and outdated farming techniques [1]. - Since the second half of 2024, an imbalance in supply and demand, coupled with rising costs, has led to a sharp decline in farmers' earnings [1]. Group 2: Implementation of "Insurance + Futures" - In June, the Ping An Insurance Company launched the first "insurance + futures" project in Anhui, providing risk coverage of 34.21 million yuan for 25,000 heads of pigs [1]. - This project establishes a risk-sharing chain among farmers, Ping An Insurance, and futures companies, effectively transferring price risks through financial instruments [2]. - The model allows farmers to receive compensation if market prices fall below a predetermined threshold, thus stabilizing their income [2]. Group 3: Growth and Policy Support - The "insurance + futures" model has seen exponential growth, with the China Futures Association reporting a total insured value of 205.82 billion yuan across 21 agricultural products, covering 38.99 million tons [3]. - Continuous and strong policy support from the government has been crucial for the development of this model, with local governments integrating it into agricultural support policies and providing financial subsidies [3]. - The model has expanded to include more specialty agricultural products and aims to lower the barriers for participation, benefiting a wider range of farmers and cooperatives [3][4]. Group 4: Future Prospects - As the recognition of the "insurance + futures" model increases, more small and medium-sized farmers are expected to access risk coverage at lower costs [4]. - Experts believe this model has the potential to expand into more regions, products, and fields, significantly enhancing agricultural risk management in China [4].