金融“护盾”为关中养殖户托起“稳稳的幸福”

Core Viewpoint - The "Insurance + Futures" project in Shaanxi Weinan successfully supports local pig farmers by providing financial protection against market price fluctuations, showcasing a mature model of agricultural risk management [1][5]. Group 1: Project Overview - The project, supported by the Dalian Commodity Exchange (DCE) and Huishang Futures in collaboration with Anbang Property Insurance, has delivered 3.27 million yuan in compensation to farmers, reinforcing their financial stability [1][5]. - In the first half of 2025, the pig output in the Lingwei District reached 133,800 heads, marking an 8.5% year-on-year increase, highlighting the significance of pig farming in the local economy [1][5]. Group 2: Challenges Faced by Farmers - Local pig farmers face significant survival challenges due to price volatility caused by rising feed costs, seasonal demand fluctuations, and pandemic impacts, which can erase profits [2][5]. - Many small to medium-sized farmers express concerns about selling their pigs at a loss, indicating the precarious nature of their livelihoods [2][5]. Group 3: Financial Solutions and Impact - The project implemented a tailored "Insurance + Futures" scheme that utilized enhanced Asian put options to cover 15,000 pigs, creating a risk protection barrier valued at 20.84 million yuan [2][6]. - The total premium for the project was 1 million yuan, with a multi-faceted support system involving 350,000 yuan from DCE and 300,000 yuan in subsidies from local governments, effectively reducing the financial burden on farmers [2][5]. Group 4: Compensation and Confidence Restoration - When market prices fell below the agreed protection range, the project initiated a compensation process, resulting in a payout rate of 327%, which not only compensated for losses but also restored farmers' confidence to expand their operations [6][8]. - The financial tools introduced through this project have transformed risk management for farmers, allowing them to secure their earnings and encouraging agricultural growth [8]. Group 5: Broader Implications for Rural Development - The project represents a sustainable agricultural risk management system, integrating professional financial derivatives into farming practices, thus enhancing the resilience of farmers accustomed to traditional methods [8]. - By connecting larger enterprises with smaller farms, the project promotes employment and financial inclusion, ensuring that financial services reach more ordinary farmers [8].