以“双精准”撬动农业保险高质量发展

Core Viewpoint - The recent Central Rural Work Conference emphasizes the importance of strengthening agriculture for national security, highlighting the need for a robust income guarantee mechanism for grain farmers, with agricultural insurance playing a crucial role in risk management and stability [1]. Group 1: Agricultural Insurance Development - China's agricultural insurance is transitioning from "expanding coverage and increasing products" to "improving quality and efficiency," with a focus on enhancing the product system and extending coverage from traditional farming to the entire industry chain [1]. - The shift from "cost protection" to "income protection" in insurance products aligns with the modern agricultural development needs, significantly supporting farmers' income stability [1]. - Despite the expansion of agricultural insurance, there remains a gap between its effectiveness and farmers' expectations, with issues such as mismatched coverage and arbitrary loss assessments undermining credibility [1]. Group 2: Precision Insurance Initiatives - By the end of 2024, a joint notice from the Financial Regulatory Bureau and the Ministry of Finance will promote "dual precision" in agricultural insurance, focusing on accurate underwriting and claims, marking a shift in governance philosophy from mere availability to quality [2]. Group 3: Technological Empowerment - The core of precise underwriting and claims lies in the authenticity and timeliness of data, necessitating technological empowerment to break down information barriers and enhance efficiency [3]. - The development of a national agricultural insurance information management platform and the implementation of digital operations in various regions demonstrate the potential of technology to improve accuracy and reduce moral hazards [3]. - It is essential to balance digital tools with offline services to accommodate the aging farming population and ensure accessibility [3]. Group 4: Product Innovation and Collaboration - To address diverse needs of new agricultural entities, there is a need for multi-layered insurance products that upgrade protection levels towards income assurance [4]. - Cross-departmental collaboration, particularly the integration of meteorological data, is crucial for precise pricing and risk assessment in agricultural insurance [4]. Group 5: Risk Diversification Mechanisms - Given the high dependency of agriculture on natural conditions, establishing a multi-layered risk diversification mechanism is vital for sustainable agricultural insurance development [5]. - Implementing a disaster risk diversification mechanism involving fiscal support and shared risk among multiple parties will enhance the resilience of insurance institutions and stabilize market expectations [5]. Group 6: Implementation and Impact - Following the Central Rural Work Conference's guidance, the implementation of "dual precision," product innovation, and technological empowerment will create a standardized, precise, and efficient agricultural insurance service system, contributing to food security and farmers' income [6].