守护“三农”的金融答卷——“保险+期货”十年深耕助力农业稳收增产

Core Viewpoint - The "insurance + futures" model has been instrumental in stabilizing agricultural income and production in China over the past decade, particularly in response to the challenges posed by market fluctuations and policy reforms in grain procurement [1][6]. Group 1: Background and Development - The "insurance + futures" model originated in Yixian County, Jinzhou City, Liaoning Province, as a response to the limitations of the existing grain storage policies, which had led to significant inventory pressures [2][3]. - The first project was launched in 2015, providing risk protection to local corn farmers and achieving a compensation rate of 208%, which laid the groundwork for the model's national promotion [4]. Group 2: Implementation and Impact - The model has been included in the Central No. 1 Document for eight consecutive years, reflecting its recognition and the expectation for further effectiveness in serving rural agriculture [6]. - By 2019, the model had insured 750,000 acres of corn in Yixian, benefiting nearly 9,000 farmers and contributing to the county's poverty alleviation efforts [9]. Group 3: Innovations and Expansions - The model has evolved to include various stakeholders such as banks, storage companies, and grain enterprises, creating a comprehensive risk management solution from planting to selling [7]. - The introduction of new futures products has expanded the coverage of the "insurance + futures" model, with over 20 agricultural futures now available for insurance [7]. Group 4: Future Directions - Suggestions for the future development of the model include addressing funding issues, enhancing talent cultivation in futures and insurance, and developing new types of futures derivatives to manage agricultural risks effectively [10].