□ 欧玲王兆林 建立社会资本参与乡村振兴机制。首先，创新补贴方式稳定社会资本投资收益预期，支持采取资本金注 入、财政奖励、运营补贴、投资补贴、融资费用补贴等多种方式，针对公益类与经营类项目实施差异化 补贴政策。其次，积极推动建立乡村振兴金融需求项目库，支持线上线下（300959）开展多种形式的项 目推介和宣传引导，加强社会资本与金融资本衔接，吸引集聚金融资源和社会资本服务乡村振兴。此 外，重点推广政府与社会资本合作(PPP)模式，强化政企合作联结机制，针对冷链物流、充电桩等收益 较明确的项目，探索"可行性缺口补助+使用者付费+超额利润分享"机制。另外，强化社会资本税费减 免激励，对于符合条件的乡村新基建项目，给予所得税"三免三减半"(前三年免征、后三年减半征收)， 减免一定比例的土地使用税，具体比例与项目带动农户就业、村集体增收绩效挂钩。 2025年"中央一号文件"明确指出，要创新乡村振兴投融资机制。当前，各地乡村振兴投融资依然在资金 使用效率、资金投入方式、金融服务能力、农业保险保障等方面存在不足，建议从创新财政投入机制、 鼓励社会资本参与、统筹整合涉农资金、增强农村金融服务能力、提升农业保险保障水平等方面 ...

Core Viewpoint - The article highlights the efforts made by agricultural experts and insurance personnel to ensure the safe wintering of winter wheat and to promote effective agricultural insurance among farmers [1][3][5]. Group 1: Agricultural Support - Agricultural experts conducted field visits to assess the growth conditions of winter wheat, including root development and tillering, while engaging with farmers to discuss their cultivation practices [3]. - Experts provided on-site scientific management advice to address issues such as weak seedlings and uneven soil moisture, guiding farmers on effective pest control and moisture retention strategies [3]. Group 2: Agricultural Insurance Promotion - Insurance personnel explained the coverage, claims process, and important considerations of agricultural insurance to farmers, emphasizing the need to monitor weather changes and prepare for cold weather [3]. - The initiative aims to encourage farmers to purchase agricultural insurance as a means to mitigate risks associated with natural disasters and pest infestations, thereby enhancing their financial security [5]. Group 3: Community Engagement - The field visits not only provided professional agricultural guidance but also deepened the understanding of agricultural insurance policies among farmers, reinforcing the connection between service providers and the agricultural community [5].

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]