■本报记者 田耿文 近日，全国首个高密度农业生态气象减灾网络体系，即"保防救赔"一体化新型农业保险服务体系在广西 崇左落地。 崇左是我国糖料甘蔗的主产区，甘蔗是当地经济的支柱产业。然而，甘蔗的生产过程极易受到极端天气 事件的冲击，给蔗农带来巨大经济损失。此次建成的"保防救赔"一体化新型农业保险服务体系，正是针 对这一痛点提出的创新解决方案。该项目通过引入航天科技及先进气象服务技术，全面提升农业风险减 量管理能力。 科技赋能 全流程风险管理 服务效能不断提升 在崇左建成的"保防救赔"一体化农业保险服务体系中，人保财险农业气象减灾网络体系可实现对农业气 象环境、作物生长状况、灾害发生过程的实时精准监测和数据采集，为农业保险提供从承保前的风险识 别与定价，到灾中的预警与防灾减损，再到灾后的精准定损与快速理赔的全流程科技支撑。 在业内人士看来，这一创新模式突破了传统保险事后补偿的局限性，将保险服务前置化、全程化、精准 化，通过"科技+保险+服务"的深度融合，真正实现从"被动赔付"向"主动风险管理"转变，让农业保险成 为保障国家食糖安全、稳定农民收入的坚实屏障。 "有了这样的保险，我们种植甘蔗就有了底气，心里更踏实了。 ...

近年来受非洲猪瘟疫情与饲料价格持续高位运行的影响，养殖效益难以稳定，养殖户的信心与积极性屡 受冲击。如何破解"疫病血亏"和"价跌亏损"？保险作为市场风险的"稳定器"和产业发展的"助推器"，其 创新与深化显得尤为迫切。为破解这一困局，人保财险临沂市分公司不断创新产品，构建全周期风险保 障网，让众多养殖户吃上"定心丸"。 转自：新华财经 "我们现在的产品覆盖了从小猪出生到出栏上市的全过程，确保养殖户在每个环节遇到风险时都能有所 保障。尤其是生猪综合收入保险，保障了养殖户最关心的价格问题，能确保养殖户能'有钱赚'，提振了 养殖户的养殖信心。"人保财险临沂市分公司农险部经理杜汉军解释，"投保目标价大约在8元／斤，根 据省畜牧局发布的出栏价格波动推算，等到生猪出栏时，如果保期内的市场价格低于投保目标价，那么 养殖户就可以获得差价补偿。" 据了解，2025年上半年，人保财险临沂市分公司通过仔猪、能繁母猪、育肥猪等养殖保险为全市28.3万 头生猪，提供生猪死亡风险保障2.11亿元；通过育肥猪收入保险为全市16.29万头生猪，提供收入风险保 障3.2亿元。 金融活水润泽沂蒙，保险屏障稳固基石。"服务'三农'、保障国家重要农产 ...

Group 1: Bond Connect Southbound Expansion - The People's Bank of China and the Hong Kong Monetary Authority announced the expansion of the Southbound Bond Connect mechanism to include non-bank institutions such as brokerages, funds, insurance, and wealth management firms, providing new channels for insurance capital to invest abroad [1][2] - Since its launch in September 2021, the Southbound Bond Connect has seen a significant increase in the scale of custodial bonds from 5.5 billion to 532.9 billion yuan by May 2025, but participation from non-bank institutions was previously limited [2] - The expansion allows insurance capital to allocate overseas assets more efficiently, moving away from the traditional reliance on QDII quotas, which currently stand at 38.9 billion USD, with overseas investment accounting for less than 2% of total assets [2] Group 2: Yield Improvement Driven by Interest Rate Differentials - Domestic insurance companies face dual pressures of low interest rates and asset shortages, with the average net investment yield for listed insurers at 3.5% in 2024, down 0.2 percentage points year-on-year [3] - In contrast, yields in the US and Eurozone bond markets are significantly higher, with the US 10-year Treasury yield at 4.34% and the Eurozone at 3.24%, compared to a traditional life insurance product rate of 2.5% in China [3] - The Southbound Bond Connect expansion enables insurance capital to flexibly allocate to multi-currency bonds, alleviating interest margin pressure and enhancing long-term yield stability [3] Group 3: Deepening Market Connectivity - The Southbound Bond Connect has an annual quota of 500 billion yuan and a daily limit of 20 billion yuan, providing a "pressure relief valve" for domestic bond market demand while attracting medium to long-term funds to the Hong Kong market [4] - The participation of non-bank institutions is expected to enhance liquidity in the offshore RMB bond market and strengthen Hong Kong's position as an international financial center [4] - Industry insiders anticipate further optimization of derivative tools and settlement mechanisms to improve risk management capabilities for insurance capital [4] Group 4: Agricultural Insurance Innovation - The "insurance + futures" model has gained international recognition, with a project in collaboration with Cargill and the World Food Programme demonstrating a 7%-10% increase in corn yield and over 30% water savings, alongside significant compensation payouts [5] - The introduction of the first agricultural breeding project interruption insurance by PICC fills a gap in risk coverage for long-cycle and high-uncertainty agricultural breeding projects, creating a comprehensive insurance system that supports agricultural technology enterprises [6] - Regulatory guidance and technological integration are driving agricultural insurance innovation, with a focus on precise pricing and data-driven approaches to support rural revitalization strategies [7] Group 5: Overall Industry Outlook - The insurance industry is experiencing breakthroughs on both the asset and liability sides, with the Southbound Bond Connect expansion opening up global allocation opportunities and technological innovations enhancing service capabilities for the real economy [7] - The release of policy dividends and the improvement of market mechanisms are expected to lead to valuation recovery and long-term growth potential in the insurance sector [7]

Core Viewpoint - The introduction of commercial fruit tree comprehensive meteorological index insurance by China Life Property & Casualty Insurance in Zibo City, Shandong Province, aims to provide tailored risk protection for the local fruit industry, addressing challenges posed by unpredictable weather conditions [1][2]. Group 1: Industry Context - Yiyuan County is recognized as the core area for the fruit industry in Zibo City, with over 50 agricultural demonstration parks and 34 certified leading agricultural enterprises [2]. - The county has certified 134 agricultural products under the "three products and one standard" initiative, focusing on improving variety, quality, and branding to promote rural revitalization [2]. Group 2: Insurance Product Details - The newly developed insurance product focuses on the two most vulnerable periods for fruit trees: the spring flowering period and the autumn harvesting period, specifically covering risks from low-temperature frost and continuous rainfall [5]. - The innovative claims process is based on official data from local meteorological stations, allowing for automatic claims without the need for farmers to report incidents or undergo lengthy damage assessments [5]. Group 3: Impact and Future Prospects - This insurance product serves as a significant supplement to policy-based fruit tree planting insurance, contributing to a multi-layered risk protection network for agricultural products and supporting rural revitalization efforts [5][7]. - The successful pilot in Zhangjiapo Town and its planned expansion across the county are expected to enhance the resilience and quality development of Yiyuan County's specialty industries, instilling confidence among local fruit farmers [7].

Core Viewpoint - The introduction of a commercial beef income insurance product by China Life Property & Casualty Insurance Qingdao Branch addresses the risks associated with the high-end beef cattle industry, supporting the development of specialty agricultural products insurance as outlined in the 2025 Central Document No. 1 [1][2]. Group 1: Insurance Product Development - China Life Property & Casualty Insurance Qingdao Branch has launched a market-oriented beef income insurance product that transitions from cost coverage to ensuring price stability and income security [1]. - The insurance product features a dual protection scheme that covers both mortality losses and market price fluctuations, moving away from reliance on government subsidies to a fully market-driven model [1][2]. Group 2: Industry Impact - Qingdao Longming Beef Industry, a high-end snowflake beef supplier, has developed a complete industry chain over ten years, focusing on breeding, smart farming, deep processing, and brand development [2]. - The company has established four proprietary pastures covering 15,000 acres, with an annual output value exceeding 100 million yuan, aiming to become a core supplier in the national high-end beef supply chain [2][3]. Group 3: Risk Management and Growth Potential - The cost of raising each beef cattle ranges from 50,000 to 80,000 yuan, with price volatility and mortality risks previously hindering expansion [3]. - With the new insurance coverage, the company plans to increase its cattle stock from 15,000 to 50,000 heads, projecting an annual output value of over 500 million yuan [3].

Core Viewpoint - The issuance of the first batch of insurance policies and bank credit for the Xiniu bamboo shoot industry in Qingyuan marks a significant step in supporting the high-quality development of this agricultural sector, with a total of 25 million yuan in risk protection and 5 million yuan in credit provided [1][22][24]. Group 1: Insurance and Financial Support - The Qingyuan People's Insurance Company issued the first batch of comprehensive income insurance policies for the Xiniu bamboo shoot industry, providing strong price protection [12][20]. - The insurance product covers both production risks and market price risks, including natural disasters, accidents, pests, and wildlife damage [14][15]. - The financial model for the insurance includes a 60% subsidy from the government and a 40% self-paid premium by farmers, encouraging participation in the insurance scheme [17][18]. Group 2: Industry Significance - The Xiniu bamboo shoot is one of Qingyuan's five major billion-yuan modern agricultural industries and plays a key role in promoting rural revitalization in Yingde [8][10]. - As of December 2024, the planting area for Xiniu bamboo shoots reached 859,100 acres, with over 88,000 workers and a production volume of 1.414 million tons, generating a comprehensive industry value of 10.965 billion yuan [9][10]. - The introduction of this insurance product is seen as a significant advancement from a single protection model to a comprehensive protection approach in agricultural insurance [20]. Group 3: Collaborative Efforts - The collaboration among government, market, and social participation has created a favorable environment for the bamboo shoot industry, enhancing income stability for farmers and their ability to withstand dual risks from natural disasters and market fluctuations [26][28]. - Financial institutions are providing a chain of support from production to sales, alleviating funding challenges faced by farmers and enterprises in expanding production and processing [28][30].