保险助力高标准农田建后管护的理论优势、关键问题与发展路径

Core Viewpoint - The article discusses the importance of high-standard farmland construction in enhancing agricultural productivity and sustainability, while also highlighting the role of insurance in improving the management and protection of these farmlands [2][3]. Group 1: High-Standard Farmland Construction and Benefits - High-standard farmland is characterized by well-maintained, concentrated, and equipped land that supports modern agricultural practices, leading to increased mechanization and resource efficiency [2]. - The construction of high-standard farmland has resulted in a 15-20% increase in mechanization levels, a 20-30% reduction in water usage, and a 30% reduction in electricity consumption [2]. - By the end of 2023, the area of high-standard farmland in China has grown from 560 million acres in 2017 to over 1 billion acres, accounting for more than half of the country's arable land [2]. Group 2: Challenges in Management and Maintenance - Issues such as unclear responsibilities for management, insufficient funding, and a lack of professional personnel hinder the effective maintenance of high-standard farmland [8][10]. - The current management systems are often outdated, relying heavily on manual processes rather than technology [11]. Group 3: The Role of Insurance in Farmland Management - Insurance can provide economic compensation for potential quality defects in farmland construction, covering losses from natural disasters and accidents [7]. - The introduction of insurance into farmland management can enhance supervision of construction quality, stimulate proactive management efforts, and reduce the burden on local governments [13][15]. Group 4: Types of Insurance Products - Various types of insurance for high-standard farmland have been developed, including rural water conservancy project insurance, comprehensive property insurance, and insurance for potential quality defects [17]. - The insurance products aim to cover the entire lifecycle of farmland from construction to post-completion management [17]. Group 5: Practical Insurance Service Models - The "construction and management insurance service model" in Anhui Province integrates quality assurance and management services into the insurance coverage [18]. - A multi-product insurance service model in Zhejiang Province provides comprehensive risk coverage for high-standard farmland, including disaster compensation and technological support [20]. Group 6: Key Issues in High-Standard Farmland Insurance - There is a lack of consistent policy support and recognition of the role of insurance in farmland management across different regions [23]. - The funding sources for insurance are often unstable, making it difficult to implement large-scale insurance programs [24]. - The insurance schemes currently in place require improvements in terms of product diversity and risk management expertise [25][26]. Group 7: Development Path for High-Standard Farmland Insurance - Strengthening policy support and optimizing premium subsidy mechanisms are essential for the growth of high-standard farmland insurance [27][28]. - Enhancing the scientific basis for insurance pricing and extending insurance coverage periods can better meet the needs of farmers and local governments [31][32]. - Promoting technological advancements and improving public awareness of insurance benefits can further enhance the effectiveness of high-standard farmland management [35][36].