金秋九月，东北黑土地上，收割机轰鸣驶过，饱满的玉米籽粒簌簌归仓；长江流域的稻田里，沉甸甸的稻穗 压弯了禾秆，秋风吹拂稻浪翻滚……广袤田野间一幅幅生机勃勃的丰收图景背后，不仅有亿万农民的辛勤耕耘， 还藏着保险业助力农业高质量发展的生动故事。 2025年是"十四五"规划收官之年，也是巩固拓展脱贫攻坚成果同乡村振兴有效衔接5年过渡期的最后一年，在 乡村全面振兴战略持续推进的当下，金融已然成为"三农"发展的重要支撑。保险业以政策为引领、以创新为支 撑，用日益完善的风险保障体系，为农业生产托底、为农民增收护航，成为守护大国粮仓、助力农业强国建设不 可或缺的金融力量。 农业保险守护大国粮仓 作为产粮大县，山东省日照市莒县自2021年开展主粮作物完全成本保险试点以来成效显著。得益于完全成本 保险，若小麦因严重病害绝产，每亩最高赔付1000元，能覆盖农资、人工、土地租金等各项成本。目前，莒县小 麦、玉米承保覆盖率接近百分之百，农户种粮有了坚实后盾。这种从"保物化成本"到"保完全成本"的突破，能帮 助农民及时恢复再生产，是地方探索农业保险服务粮食安全的生动实践。 粮食安全是"国之大者"，是治国安邦的根本。今年4月7日，中共中央 ...

Core Viewpoint - Recent heavy rainfall has caused significant damage to farmland and agricultural equipment, prompting discussions on how insurance can provide support to affected farmers and improve claims processing efficiency [1] Group 1: Current Compensation Situation - Financial regulatory authorities are guiding insurance companies to conduct timely assessments and optimize claims processes during the critical flood prevention period, ensuring quick and reasonable compensation [2] - In Inner Mongolia, insurance coverage for major crops has been expanded, with compensation amounts increased 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 coverage reached 820 million yuan from January to May, with 7,085 claims reported due to heavy rainfall, of which 191 have been compensated [2] Group 2: Insurance Products for Farmers - The implementation plan for high-quality development in the banking and insurance sectors emphasizes the development of localized agricultural insurance products, including farmland, 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] - Various insurance products are being developed, including agricultural machinery insurance and specialized insurance for farm employers and short-term personal accident insurance for farmers [5] Group 3: Challenges in Agricultural Insurance - Agricultural insurance has positively impacted farmers' income security, but issues such as delayed payments and average compensation persist [6] - The application of new technologies like remote sensing and big data in agricultural insurance is increasing, but there is a lack of standards leading to doubts about the accuracy of damage assessments [6][7] - Regulatory bodies are encouraged to establish data-sharing mechanisms to enhance the precision and efficiency of claims processing, while ensuring that government interventions do not disrupt the insurance ecosystem [7]