书写金融服务“三农”新篇章

Core Insights - The "insurance + futures" model, launched by the Dalian Commodity Exchange (DCE) in 2015, has evolved from pilot projects to widespread implementation, stabilizing farmers' income expectations and addressing agricultural risk management through financial derivatives [1][9] - The model has been recognized for its role in poverty alleviation and rural revitalization, particularly in regions that were previously key poverty-stricken areas [5][9] Group 1: Historical Development - The initial pilot project for corn "insurance + futures" began in Liaoning Province, marking a significant shift in how farmers engage with financial instruments [2][3] - The DCE identified the need for financial tools to help farmers cope with price volatility following the reform of the corn storage system in 2015, which allowed for price flexibility [3][4] - The introduction of the "insurance + futures" model simplified the complex financial concepts for farmers, making risk management more accessible [4][7] Group 2: Impact and Achievements - The first project in 2015 provided risk coverage of 2.16 million yuan to 51 corn farmers, achieving a compensation rate of 208%, demonstrating its success [4][8] - From 2015 to 2019, the project covered nearly 350,000 tons of corn and insured 750,000 acres, benefiting around 9,000 farmers and cooperatives [4] - The "Yixian model" has been recognized as a successful case of targeted poverty alleviation, effectively ensuring that subsidies reach actual farmers [5][8] Group 3: Financial Innovation and Knowledge Dissemination - The model has facilitated a broader understanding of financial concepts among farmers, enhancing their market awareness and engagement with futures [7][9] - The innovation has also prompted the development of new insurance products based on weather data, expanding the scope of agricultural risk management [8] - The success of the "Yixian model" has led to its inclusion in national policy documents, paving the way for its expansion across the country [8][9]