渔业互保守护渔兴民安

Core Viewpoint - The development of fishery mutual insurance is crucial for the welfare of fishermen, providing a safety net against disasters and enhancing risk management in the industry [1][2]. Group 1: Industry Development - The establishment of fishery mutual insurance societies in Fujian, Hebei, and Jiangsu marks an expansion of the coastal service network, complementing existing operations in provinces like Liaoning and Hainan [1]. - The fishery mutual insurance system has evolved over 30 years, with the establishment of the China Fishery Mutual Insurance Association in 1994 to address the insurance needs of fishermen [2]. - The approval of the China Fishery Mutual Insurance Society in February 2023 signifies the first phase of reform, integrating mutual insurance into the national financial regulatory framework [2]. Group 2: Risk Management and Coverage - In Fujian, a comprehensive risk protection system for fishermen has been established, with a projected total aquatic product output of over 9.24 million tons in 2024, ranking third nationally [3]. - The insurance coverage for fishing vessels over 12 meters and their crew exceeds 95%, with 100% coverage for deep-sea fishing vessels and crew [3]. - Innovative insurance products, such as typhoon index insurance and red tide index insurance, have been developed, allowing for immediate compensation upon triggering [3]. Group 3: Policy and Technological Integration - The State Council emphasizes the integration of safety production initiatives with high-quality fishery development, advocating for the modernization of old fishing vessels and improved safety management [3]. - The promotion of a "Beidou + Mutual Insurance" model aims to leverage digital economy advantages for real-time monitoring, risk warning, and online claims processing [4]. - Establishing a fishery risk database is essential for accurately calculating insurance rates and ensuring sufficient reserves and solvency [4].