延安果农告别“望天收”迈向“智慧防”

Core Insights - The article highlights the transformation of the apple farming industry in Yan'an, Shaanxi, through the integration of technology and insurance to mitigate risks from extreme weather events, particularly frost and hail [2][3][4]. Industry Overview - China is the largest apple producer and consumer globally, with Shaanxi being the top apple-producing province and Yan'an recognized as an optimal apple cultivation area [2]. - The apple industry faces significant challenges due to the region's rugged terrain and frequent extreme weather, impacting farmers' income and confidence [2]. Risk Mitigation Strategies - In 2022, China Pacific Insurance initiated a risk reduction program for apple farmers in Yan'an, collaborating with local meteorological services to implement a "meteorology + insurance" model [2][3]. - The introduction of smart frost prevention technology, including smoke generators and hail cannons, has led to a 70% reduction in disaster risk in the targeted counties [3]. Technological Advancements - The "Smart Disaster Reduction" project launched in 2025 aims to enhance disaster management through a digital platform that monitors environmental conditions and provides real-time alerts [4][5]. - Farmers can now manage their orchards dynamically, utilizing technology to monitor equipment and receive weather warnings [4]. Community Engagement and Support - A community network has been established among farmers and insurance staff to ensure timely responses to weather alerts, enhancing operational efficiency [5][6]. - The integration of party-building initiatives has strengthened the coordination between farmers and insurance providers, ensuring accountability and effective disaster response [6]. Economic Impact - Over three years, China Pacific Insurance invested over 7.5 million yuan in technology and equipment for risk reduction, shifting its role from a cost center to a value center in the apple supply chain [7]. - The company has successfully established a direct supply chain model that enhances income for farmers while ensuring quality control and safety for consumers [8]. Future Prospects - The ongoing development of risk reduction technologies and community engagement is expected to further stabilize the apple industry, with projected increases in production value and job creation [6][7]. - Farmers like Guo Minmin are experiencing improved financial outcomes, with apple prices expected to rise significantly due to enhanced quality and reduced weather-related losses [8].