通过不断创新农险品种和服务模式，人保财险新疆分公司农险险种已经基本覆盖了新疆地区主要农产 品，实现对全区"米袋子、菜篮子、油瓶子、果盘子、肉案子"的保险全覆盖，保险开办区域已经覆盖新 疆所有区县。 "以前种地只能给小麦、玉米上保险，现在人保的林果业保险能保红枣、核桃。今年3月的霜冻让我的红 枣树受了灾，保险公司上门查勘后，没过多久，1万多元的理赔款就到账了。"新疆和田县种植户阿力木 ·阿卜杜拉告诉《农村金融时报》记者。 记者获悉，目前，人保财险新疆分公司构建了"以中央政策性险种为主导，以地方政策性险种、商业型 险种和创新型险种为补充"的多元化、多层次农业保险体系，开办中央政策性保险品种13个，包括棉 花、小麦、玉米、水稻、油料、糖料、马铃薯、水稻制种、玉米制种、小麦制种、能繁母猪、育肥猪、 奶牛等；开办以奖代补政策险种2个，分别是南疆林果业保险和肉羊保险。同时，还开办辣椒、中草 药、番茄、肉牛、家禽、蔬菜大棚等80余个地方政策性和商业性农业保险。 ■本报记者 田耿文 农业是国民经济的基础。近年来，中国人民财产保险股份有限公司新疆维吾尔自治区分公司（以下简 称"人保财险新疆分公司"）不断丰富农险产品体系、创新农 ...

金秋时节，本应洋溢着丰收的喜悦，却因连绵阴雨而蒙上一层阴影。秋收进度延缓，部分玉米发芽霉 变，德州大地的农户们心头凝重。面对严峻挑战，中华财险德州中心支公司闻"汛"而动，以保险之力撑 起保护伞，在秋雨潇潇中全力守护农户收益，书写金融为民的温暖篇章。 统筹调度，织密应急服务"保障网" 灾情即命令。中华财险德州中心支公司立即成立暴雨灾害理赔工作领导小组，建立统一指挥、全市联动 的应急响应体系。各级机构同步成立工作小组，形成上下协同的作战格局。专属服务热线95585二十四 小时畅通，成为农户可靠的求助通道。自8月底起，公司抽调精干力量，组建专业查勘队伍，顶风冒雨 深入田间地头。截至10月10日，查勘足迹已遍布1840个村庄，完成约140.8万亩受灾农田的定损工作， 整体查勘进度超过99%，以高效行动诠释责任担当。 多渠宣传，构筑防灾减损"防火墙" 为最大限度降低连阴天气对农业生产造成的损失，中华财险德州中心支公司紧急部署，迅速建立起高效 协同的应急响应机制。公司依托"兴农保"APP、微信群组等多元化信息渠道，与德州市气象局紧密合 作，定期在工作群中推送《天气实况与预报》专报，通过精准及时的灾害天气预警，助力农户未雨 ...

金秋时节，五谷丰登，华夏大地处处洋溢着丰收的喜悦。 中国人保以实际行动践行金融央企的责任担当，持续创新完善农业保险产品体系和服务模式，为农民丰产丰 收保驾护航，成为丰收季节里一道坚实而温暖的风景线。 全力保障"中国粮食、中国饭碗" 筑牢粮食安全防线 粮食安全是"国之大者"。从东北黑土地到江南鱼米之乡，从中原粮仓到西北旱寒农业区，农业保险为粮食生 产披上护甲，全力保障"中国粮食、中国饭碗"。2025年上半年，人保财险承保三大主粮3.37亿亩，育肥猪1.4亿 头，共计为农户提供风险保障1.44万亿元。 江西省九江市拥有1600余年的大豆栽培历史，人保财险在当地创新推出地方财政补贴性大豆综合收入保险， 覆盖了大豆种植生产、销售各环节主要风险，为这一千年产业注入了现代金融保障。 山东省德州市是我国首个全域创建"吨半粮"的城市。人保财险创新开发符合"吨半粮"特点的产量、制种、收 获、仓储等农业保险产品十余款，实现了从单一保障作物风险向支持"藏粮于地、藏粮于技"的全产业链拓展。 助力"小而美"特色产业发展壮大 激发地方经济活力 人保财险加快转变保险经营逻辑，深入推动"保防减救赔"一体化服务，做实做细风险减量服务，让保障" ...

■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].