保险+信贷联动模式
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中国人寿财险临沧市中心支公司多措并举护航临沧市乡村振兴
Zhong Guo Jin Rong Xin Xi Wang· 2025-11-03 06:19
Core Insights - China Life Property Insurance Co., Ltd. is focusing on agricultural insurance as a key strategy to support rural revitalization in Lincang City through technology, product innovation, and service upgrades [1][2] Group 1: Agricultural Insurance Initiatives - The company has promoted comprehensive cost insurance for three major staple crops, which expands coverage to include land and labor costs, increasing average compensation by over 30% for farmers affected by natural disasters [1] - In the first half of the year, Lincang achieved a grain output of 135,100 tons, a year-on-year increase of 2.9%, supported by the insurance initiatives [1] Group 2: Livestock Insurance and Financial Support - The company has introduced a local specialty insurance for breeding cows, providing risk protection worth over 67.3 million yuan to 3,163 farming households in Fengqing County [1] - In the first three quarters, 757 households received a total of 7.56 million yuan in claims, demonstrating the effectiveness of the insurance program [1] - The company is exploring an "insurance + credit" model, linking insurance participation as a condition for credit enhancement, thereby facilitating more financial support for livestock farmers [1] Group 3: Digital Platform and Service Enhancement - The "Guoshou i Agricultural Insurance" digital platform enables precise underwriting and claims processing, enhancing the company's reputation among farmers [2] - A cooperative in Xiaowan Town successfully used the app for self-service insurance and claims, with a claim processed within one day after reporting [2] - The company also conducts agricultural technology training, helping farmers improve their planting and breeding practices, thereby increasing their resilience to risks [2]