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山西吉县苹果“保险+期货”县域覆盖项目启动
Qi Huo Ri Bao Wang·2025-09-28 16:16

Core Viewpoint - The launch of the "Insurance + Futures" project for apples in Jixian County, Shanxi Province, represents a significant integration of financial tools with the local agricultural industry, aiming to enhance the quality development of the apple industry and support rural revitalization [1][2]. Policy Support and Industry Foundation - Shanxi Province prioritizes the establishment of a risk protection system for specialty agricultural products as a key strategy for rural revitalization, transitioning agricultural insurance from "cost protection" to "price protection" and "income protection" [2]. - The provincial government provides premium subsidies for eligible projects, creating a funding model that involves provincial guidance, county-level support, and market operations [2]. Insurance Company Initiatives - Pacific Insurance has developed targeted insurance plans based on the growth cycle of apples and market trends, offering compensation if the average futures closing price falls below a predetermined target price during the harvest season [3]. - The insurance premium is supported by provincial, municipal, and county finances, covering 80% of the cost, significantly reducing the financial burden on farmers [3]. Futures Market Engagement - Galaxy Futures, in collaboration with other futures companies, has established a specialized team to connect the futures market with local farmers, conducting extensive research in over 20 orchards [4]. - The project is expected to provide risk protection for 29,300 acres of orchards and over 2,000 farmers, amounting to 385 million yuan in risk coverage [4]. Innovative Risk Management - The project employs a "risk transfer + touchpoint lock-in" model, where insurance products are developed to protect farmers' income while allowing insurance companies to manage risks through futures and options [5]. - Training sessions have been conducted to help farmers understand the insurance model, making it more accessible and relatable [5]. Agricultural Impact - Jixian County, known as "China's Apple Town," has an apple planting area of 300,000 acres and an annual output of 250,000 tons, with a market value exceeding 1.5 billion yuan [7]. - The volatility in apple prices, influenced by market supply and demand, has historically posed challenges for farmers, but the new insurance model provides a safety net, encouraging investment in production [7]. Compliance and Sustainability - The Zhengzhou Commodity Exchange emphasizes the importance of compliance, transparency, and sustainability in the project, ensuring that farmers' participation and data are reliable [8]. - The exchange has supported 250 "Insurance + Futures" projects over the past decade, with a total premium support of 810 million yuan [8]. Conclusion - The collaborative efforts among government, insurance companies, futures markets, and farmers are transforming the apple industry in Jixian County, enhancing financial security and contributing to rural revitalization [9].