“三农”新使命 保险新作为 从中央农村工作会议看保险业服务“三农”新要求

Core Insights - The central theme of the news is the strategic deployment of agricultural policies and insurance to enhance food security and support rural development in China, particularly in the context of the 14th Five-Year Plan and the upcoming 15th Five-Year Plan [1][2]. Group 1: Agricultural Policy and Strategic Focus - The Central Rural Work Conference has outlined key tasks for 2026, including enhancing grain production capacity, improving disaster prevention capabilities, and establishing mechanisms to prevent poverty [1]. - The insurance industry is expected to play a crucial role in supporting these agricultural initiatives, reflecting a significant shift in its responsibilities [1]. Group 2: Role of Agricultural Insurance - Agricultural insurance has become an essential part of China's modern agricultural risk management system, providing risk coverage to 800 million households during the 14th Five-Year Plan [2]. - The implementation of comprehensive cost insurance for major grains has achieved nationwide coverage, significantly increasing the average insurance amount per acre [2]. Group 3: Technological Integration in Agricultural Insurance - The integration of technology, such as AI, big data, and blockchain, is transforming agricultural insurance services and risk management, enhancing efficiency and transparency [4][5]. - Innovative products like weather index insurance and high-standard farmland quality insurance are being developed to address various agricultural risks [3][4]. Group 4: Challenges and Recommendations for Agricultural Insurance - Despite progress, agricultural insurance faces challenges such as imprecise premium rates and a lack of standardized regulations, which hinder its effectiveness [7][8]. - Recommendations include establishing a robust service network for agricultural insurance and developing unified technical standards for underwriting and claims processes [8].