上海闵行积极推动“三农”保险创新，助力乡村振兴

Core Viewpoint - Agricultural insurance has become a key component in supporting the high-quality development of rural areas in Shanghai's Minhang District, facilitated by collaboration among various stakeholders including government departments, agricultural agencies, meteorological services, insurance companies, and farmers [1][2]. Group 1: Agricultural Insurance Innovations - The introduction of the first "Rural Collective Asset Rent Loss Insurance" policy in Shanghai aims to protect the rental income of collective assets, enhancing the value preservation and growth of rural collective economies [2][3]. - The insurance product is designed to address risks associated with the management of collective assets, providing coverage for potential rental income losses due to specific unforeseen circumstances [2][3]. - The "insurance + service" model will be implemented to offer risk reduction services, such as safety assessments and repairs for rental properties, thereby lowering operational costs for rural collective assets [3]. Group 2: Support for Specialty Crop Insurance - The central government's recent directives encourage the development of specialty agricultural product insurance, which aligns with the ongoing efforts in Minhang to create tailored insurance products for local crops [4]. - A new weather index insurance for rice has been introduced, allowing farmers to receive compensation based on specific weather conditions, thus focusing on quality assurance rather than just yield [4]. - The Minhang District is working on subsidy policies for specialty crop insurance, which will enhance risk coverage for various crops, including rice and vegetables [4]. Group 3: Efficient Claims Processing - Minhang District has established a rapid claims processing system, having completed all vegetable and greenhouse claims following last year's typhoons, with a total payout of 1.62 million yuan to 61 operating entities [6][7]. - A collaborative mechanism among insurance companies, government departments, and agricultural operators has been developed to ensure accurate data collection and timely claims processing [7]. - The deployment of IoT sensors in the field allows for real-time monitoring of agricultural data, creating a comprehensive service system that enhances risk management throughout the agricultural production cycle [7]. Group 4: Strengthening Agricultural Insurance Functions - The collaboration between government and enterprises has strengthened the role of agricultural insurance in supporting production, serving rural areas, and benefiting the public [8]. - Ongoing efforts are focused on developing personalized insurance products for new agricultural entities, ensuring that diverse needs are met through multi-party cooperation [8].