为护航小麦安全越冬及来年丰产，12月15日，盐城亭湖人保工作人员陪同农业技术专家深入田间地头， 实地察看辖区内冬小麦的苗情长势、土壤墒情及病虫害发生情况。 此次田间走访，不仅为农户送去了专业的农技指导，也让农业保险政策更加深入人心，切实架起了服 务"三农"的连心桥，为冬小麦稳产增收筑牢了坚实的风险保障防线。 在麦田中，农业专家俯身拨开麦苗，仔细查看根系发育状况与分蘖数量，与种植户亲切交流，详细询问 播种时间、施肥灌溉情况及当前田间管理中遇到的难题。针对部分地块出现的苗弱、墒情不均等问题， 专家现场给出科学管护建议，指导农户及时做好镇压保墒、病虫害绿色防控等工作。同时，亭湖人保工 作人员结合冬小麦生长特点和往年理赔案例，向农户讲解农业保险的保障范围、理赔流程及投保注意事 项，提醒农户密切关注天气变化，提前做好防寒防冻准备，鼓励大家通过投保农业保险，有效规避自然 灾害、病虫害等带来的种植风险。 校对石伟 ...

Core Viewpoint - The article highlights the urgent funding needs for agricultural activities during the autumn harvest season, with financial institutions ramping up loan disbursements to support farmers and agricultural enterprises [1][10]. Group 1: Loan Support for Farmers - Financial institutions are accelerating loan disbursement to meet the concentrated funding needs of farmers during the autumn harvest and planting season [1]. - In Shijiazhuang, a farmer received a low-interest, unsecured loan of 1.2 million yuan (approximately 0.17 million USD) based on land transfer contracts, with annual interest rates between 2.8% and 3.5% [1]. - Agricultural banks are innovating financing models, such as the "Smart Livestock Loan," allowing farmers to use livestock as collateral for loans, thereby facilitating the expansion of livestock farming [5][7]. Group 2: Agricultural Insurance - Agricultural insurance is increasingly providing financial security for farmers, with major grain insurance achieving nationwide coverage [11]. - In Yibin, insurance payouts for crop damage are processed quickly, with compensation around 0.5 million yuan (approximately 0.07 million USD) being paid within ten days after agreement [11][13]. - The introduction of subsidized insurance for local specialty crops, such as pepper, helps farmers recover from losses due to natural disasters and pests [13][19]. Group 3: Financial and Fiscal Support - The total loan balance for key agricultural sectors reached 5.09 trillion yuan (approximately 0.72 trillion USD) by the end of August, marking a 17.09% increase year-on-year [10]. - The implementation of a centralized subsidy distribution model in Liaoning has improved the efficiency of agricultural machinery subsidies, with 3.88 billion yuan (approximately 0.55 billion USD) disbursed this year [26]. - Since the start of the 14th Five-Year Plan, fiscal spending on agriculture, forestry, and water affairs has reached 10.8 trillion yuan (approximately 1.54 trillion USD) [27].

Core Insights - The article highlights the role of Sunshine Insurance in supporting the lychee industry in Maoming, Guangdong, through risk management and insurance services [1][2][4]. Group 1: Insurance Services and Risk Management - Sunshine Insurance actively engages in pre-disaster risk reduction and post-disaster claims management, exemplified by their efforts during typhoons "Bailu" and "Wipha" to assist farmers in harvesting ripe lychees [2]. - The company provided timely compensation of 855,000 yuan to farmers affected by the typhoons, demonstrating its role as a stabilizing force in agricultural insurance [2]. - By 2025, Sunshine Insurance is expected to have insured 1,946 acres of lychee farms, offering risk coverage amounting to nearly 2.45 million yuan [2]. Group 2: Collaboration with Local Government and Farmers - Sunshine Insurance has established a collaborative platform involving government, enterprises, and farmers to support the development of the lychee industry in Maoming [4]. - The company organized a training session on advanced agricultural techniques in collaboration with local agricultural authorities and experts, focusing on pest control and new variety cultivation [4]. Group 3: Community Engagement and Events - Sunshine Insurance co-hosted the "2025 China Farmers' Harvest Festival Lychee Season" event, which featured various activities aimed at promoting local agricultural products and enhancing community engagement [6]. - The event included a financial service station where professional teams provided insurance consultations and risk assessments, receiving positive feedback from local government [6]. Group 4: Future Outlook - Sunshine Insurance plans to continue innovating insurance products and services tailored to local agricultural needs, contributing to high-quality agricultural development and rural revitalization [9].

Core Insights - Recent heavy rainfall has led to significant agricultural damage, prompting discussions on the role of insurance in providing support to affected farmers [1] - The insurance industry is actively optimizing claims processes and utilizing technology for efficient damage assessment [2][3] Group 1: Current Compensation Situation - Financial regulatory authorities are guiding insurance companies to expedite damage assessments and claims processes during the critical flood prevention period [2] - In Inner Mongolia, insurance coverage for major crops has increased, with compensation amounts rising from 300-600 yuan per mu to 900-1200 yuan per mu, resulting in 389 million yuan paid to 147,300 farmers [2] - In Beijing, agricultural insurance claims have been significant, with 7085 reports filed and 191 claims paid as of August 11 [2] Group 2: Types of Insurance for Farmers - The implementation of the "Implementation Plan for High-Quality Development of Inclusive Finance in Banking and Insurance" encourages the development of various agricultural insurance products, including crop, housing, and machinery insurance [4] - Central government continues to subsidize insurance premiums for major agricultural products, while local governments are introducing region-specific insurance products [4] - New insurance products are being developed, such as agricultural machinery insurance and specialized coverage for farm-related liabilities [5] Group 3: Challenges and Recommendations - Despite the positive impact of agricultural insurance, issues like delayed payments and average compensation practices persist [6] - The application of new technologies like remote sensing and big data is being encouraged to improve efficiency and service levels in agricultural insurance [6][7] - Recommendations include establishing data-sharing mechanisms and clarifying the roles of government and insurance companies to ensure fair and precise claims processes [7]

Core Viewpoint - The ongoing high temperatures and low rainfall in July have posed challenges for autumn grain production in Henan, prompting Guoyuan Insurance's Henan branch to implement proactive measures to support farmers and mitigate losses [1][2] Group 1: Measures Taken by Guoyuan Insurance - Guoyuan Insurance's Henan branch established a drought prevention and seedling protection task force to collaborate with agricultural departments and local officials, providing on-site support to affected farmers [1] - The company allocated over 200,000 yuan to organize local institutions to distribute high-capacity water pumps to farmers, ensuring irrigation and minimizing disaster losses [1] - Drones were deployed for aerial inspections of farmland, utilizing high-definition imaging and thermal mapping to identify severely drought-affected areas and create a "drought severity map" for targeted irrigation guidance [1] Group 2: Technical Support and Risk Management - The local institutions collaborated with agricultural experts to conduct field assessments in major corn-producing areas, analyzing soil moisture and crop conditions while offering tailored management advice to large-scale growers [1] - To prevent secondary disasters from drought and heavy rainfall, the company organized re-inspections of affected farmland to evaluate crop recovery and provided pest control technology guidelines to farmers [2] - Additional equipment, such as plant protection drones, was allocated to enhance pest management capabilities in response to potential risks from heavy rainfall [2]