2025年秋冬时节，辽东半岛南端的田野上已覆上一层薄霜。中国太平洋财产保险股份有限公司（简称太 平洋产险）大连分公司三农经营管理中心负责人刘雁站在玉米地边，向当地农户了解当年玉米产量和受 灾情况。这是她现在每年必做的"功课"——不是坐在办公室看报表，而是走进田间地头，"看一看、聊 一聊"。这位1995年参加工作、原本从事会计工作的城市女性，从未想过自己会与农业、与农户、与"保 险+期货"这项创新金融工具结下深厚的缘分。 2021年的岗位调整，是她人生的转折点。从后台走向前台，从城市走向农村，从熟悉的传统成本保险走 向新兴的价格风险保障——刘雁的转型，恰似中国农业风险管理模式的深刻变革。而她所见证并参与的 大商所"保险+期货"项目，如今已成为护航万千农户抵御市场波动的重要保障。 从账本到田野： 一位城市女性的"三农"启蒙 刘雁坦言，自己从小在城市长大，对农村几乎毫无概念。2021年之前，她的职业生涯始终围绕财务会计 展开。虽然也对农业保险有一定的了解，但是具体到农业生产和业务细节，刘雁就成了"门外汉"。"那 时候，我连玉米几月播种、几月收割都不清楚。"她笑着说。 但命运的齿轮悄然转动。随着公司部门调整的完成，同 ...

2025年12月10日于北京举办的"2025全球减贫伙伴研讨会"上，由中信期货有限公司与联合国世界粮食计划署机构联合实施的"创新模式构 建乡村振兴双保护网—吉林松原农业风险综合管理试点项目"，在全球参选案例中脱颖而出，成功入选第六届减贫案例征集活动"最佳减贫 案例"。该奖项标志着中信期货在推进普惠金融助力乡村农业高质量发展、为乡村振兴和国家粮食安全方面的创新实践获得了国际社会的 高度认可，其成功经验将被收录于南南合作减贫知识分享网站——中外减贫案例库及在线分享平台，为全球减贫事业贡献"中国智 慧"与"中信方案"。 全球减贫案例征集活动由中国国际扶贫中心、世界银行、联合国粮农组织等多家权威机构联合发起，旨在甄选、推广全球范围内具有实效 性的减贫实践，是国际减贫领域的重要交流平台。本届活动将"最佳案例研究奖"授予我司松原项目，是对其创新模式、显著成效及可推广 价值的充分肯定。 该项目以"保险+期货"收入险与水肥一体化技术为核心，成功构建了"金融防险+技术防灾"双保护网融合的创新模式，响应国家"普惠金融 下沉农村"政策导向，有效应对了长期制约农业发展的自然风险与市场风险双重挑战。此次获奖，不仅是一项荣誉，更意味着由 ...

十年探索，"保险+期货"实现跨越式发展。自2015年大连商品交易所率先试点以来，这一模式从区域性 探索稳步走向全国布局，服务范围不断拓展，功能内涵持续深化，在提升护航农业生产方面发挥着越来 越重要的作用。 当前，一张农业风险保障网正越织越密，"保险+期货"正迈向高质量发展新阶段。业内人士表示，通过 完善产品体系、精细风控能力、深化生态协同，"保险+期货"有望打通农业保收、稳收、增收的"最后一 公里"，筑牢国家粮食安全防线。 风险保障网越织越密 十年深耕，成果丰硕。自2015年大商所率先探索"保险+期货"以来，这一创新模式在全国范围内快速推 广。据统计，截至2024年底，大商所在国内31个省区市累计支持开展了1338个"保险+期货"项目，保障 玉米、大豆、鸡蛋、生猪等品种现货2015万吨，共实现赔付超20亿元，惠及农户183万户次。 这样的增长源于切实有效的风险保障。在云南沧源佤族自治县，南华期货自2017年开始连续五年开展天 然橡胶"保险+期货"项目，五年年均权利金赔付率达108.83%。2019年4月，沧源佤族自治县正式脱贫出 列。 "我们的业务版图已拓展至全国27个省区市，累计服务农户超34.8万户。"南 ...

● 本报记者 葛瑶 马爽 十年探索，"保险+期货"实现跨越式发展。自2015年大连商品交易所率先试点以来，这一模式从区域性 探索稳步走向全国布局，服务范围不断拓展，功能内涵持续深化，在提升护航农业生产方面发挥着越来 越重要的作用。 当前，一张农业风险保障网正越织越密，"保险+期货"正迈向高质量发展新阶段。业内人士表示，通过 完善产品体系、精细风控能力、深化生态协同，"保险+期货"有望打通农业保收、稳收、增收的"最后一 公里"，筑牢国家粮食安全防线。 风险保障网越织越密 十年深耕，成果丰硕。自2015年大商所率先探索"保险+期货"以来，这一创新模式在全国范围内快速推 广。据统计，截至2024年底，大商所在国内31个省区市累计支持开展了1338个"保险+期货"项目，保障 玉米、大豆、鸡蛋、生猪等品种现货2015万吨，共实现赔付超20亿元，惠及农户183万户次。 这样的增长源于切实有效的风险保障。在云南沧源佤族自治县，南华期货自2017年开始连续五年开展天 然橡胶"保险+期货"项目，五年年均权利金赔付率达108.83%。2019年4月，沧源佤族自治县正式脱贫出 列。 "我们的业务版图已拓展至全国27个省区市，累计服 ...

Core Insights - The "Insurance + Futures" model has evolved into the "Silver Futures Insurance" (银期保) system, which integrates insurance, futures, banking, and leading enterprises to create a comprehensive risk management framework for agriculture [2][5][7] Group 1: Model Overview - The "Silver Futures Insurance" model was launched by the Dalian Commodity Exchange in 2023, expanding the original "Insurance + Futures" concept to include a full-chain support system covering production, sales, funding, and risk management [2][5] - This model provides dual protection for farmers through price and yield insurance, while also offering credit support based on insurance policies and orders, ensuring a sustainable cycle of farming operations [2][3] Group 2: Case Study - Li Fuqiang - Li Fuqiang, head of a cooperative in Heilongjiang, experienced significant benefits from the "Silver Futures Insurance" model, which allowed him to directly connect with grain purchasing enterprises, leading to increased profits [3][4] - In 2023, Li earned an additional 480,000 yuan through secondary pricing operations facilitated by the model, demonstrating its financial advantages [3][4] Group 3: Financial Impact - In 2024, the "Silver Futures Insurance" project in North An covered 100,000 acres, with a total loan issuance of 12.6 million yuan and an insurance premium of 4.65 million yuan, showcasing its scale and financial backing [4][5] - Farmers participating in the program received 4.52 million yuan in claims due to falling prices, along with secondary pricing gains of 1.38 million yuan, highlighting the model's effectiveness in risk mitigation [4][5] Group 4: Broader Implications - The "Silver Futures Insurance" project not only provides financial support but also encourages modern management practices among farmers, enhancing their financial literacy and operational efficiency [5][6] - The Dalian Commodity Exchange aims to extend the pricing period from 2 months to 6 months by 2025, further aligning with farmers' selling habits and market fluctuations [7]

Core Insights - The recent prolonged rainy weather in regions such as Shandong, Henan, Hebei, Shanxi, and Shaanxi has significantly impacted corn production, leading to concerns about reduced yield and quality due to delayed harvesting and inadequate drying conditions [1][2] - The lack of drying facilities in these areas has exacerbated the situation, as the local agricultural practices favor selling fresh corn rather than dried corn, which is less suitable for storage [2] - Financial and industry responses have been swift, with measures in place to support affected agricultural entities, including targeted assistance and pre-compensation mechanisms to mitigate losses and facilitate quick replanting [2][3] Agricultural Infrastructure and Risk Management - The need for improved agricultural infrastructure is highlighted, as many regions face challenges such as inadequate drainage systems and aging facilities, which hinder effective crop management and increase vulnerability to adverse weather [2][3] - Long-term strategies for enhancing agricultural risk management are essential, focusing on infrastructure improvements and resource allocation to better prepare for unexpected events [3][4] Financial Tools for Risk Mitigation - The increasing scale and intensity of agricultural production necessitate the adoption of financial instruments like insurance and futures to manage risks associated with abnormal weather patterns [4] - Current challenges in agricultural insurance include a lack of precision and insufficient coverage, indicating a need for financial institutions and local governments to enhance service quality and adapt to the specific needs of the agricultural sector [4]

Core Insights - The "Songyuan Agricultural Risk Comprehensive Management Pilot Project" led by CITIC Futures has been recognized as a global exemplary case by the World Economic Forum, highlighting China's innovative approach to agricultural risk management and its effectiveness in ensuring food security and stable farmer incomes [1] Group 1: Project Overview - The pilot project is being implemented from 2022 to 2024, with a total funding of $1 million donated by Cargill in collaboration with the World Food Programme [1] - The local government of Jilin Province is responsible for organizing and executing the project, with participation from CITIC Futures and Anhua Insurance among other stakeholders [1] Group 2: Innovation and Impact - The project showcases how innovative models, financial tools, and cross-sector collaboration can enhance farmers' resilience to climate and market risks [1] - It serves as a valuable practical example for regions globally facing similar agricultural risk challenges, providing replicable solutions and experiences from China [1]

Core Insights - The "Songyuan Agricultural Risk Comprehensive Management Pilot Project" has been recognized as a global best practice by the World Economic Forum, highlighting China's innovative approach to integrating water and fertilizer management with financial tools to enhance food security and stabilize farmers' incomes [1][2][3] Group 1: Project Overview - The project is funded by a $1 million donation from Cargill and is jointly initiated with the World Food Programme, with local government in Jilin Province responsible for implementation [2] - The project runs from 2022 to 2024 and involves multiple stakeholders, including CITIC Futures and Anhua Insurance, to promote a comprehensive agricultural risk management solution [2] Group 2: Innovation and Impact - The core innovation lies in the integration of water-fertilizer technology with an "insurance + futures" income insurance model, which has transformed local farmers' production methods and perceptions of agricultural income [2] - The project has achieved significant environmental benefits, including water conservation, fertilizer reduction, and emissions decrease, serving as a model for sustainable agricultural development [2] Group 3: Recognition and Future Plans - The World Economic Forum has praised the project for providing valuable practical examples for regions facing similar agricultural risks globally [2] - CITIC Futures plans to continue developing agricultural risk management solutions, optimizing service models, and promoting successful experiences to contribute to a more resilient modern agricultural system and ensure national food security [3]

Core Insights - The project "Insurance + Futures + Banking" initiated in Yijun County aims to provide comprehensive financial services for the agricultural industry, particularly focusing on apple farmers [1][2] - The project has received strong support from various government levels and financial institutions, highlighting a collaborative effort to enhance agricultural risk management [2] Group 1: Project Overview - The "Insurance + Futures + Banking" project was launched in Yijun County, targeting 17,000 acres of apple orchards to provide price risk protection [2] - The project is a collaboration between multiple entities including Jianxin Futures, China United Property Insurance, and several banks and futures companies [2] Group 2: Financial Impact - Since 2020, Jianxin Futures has been involved in agricultural projects in Yijun County, with a total insurance coverage amounting to 579 million yuan [1] - The initiative aims to enrich the agricultural risk management toolbox and promote innovative financial solutions in the agricultural sector [2] Group 3: Regional Significance - Yijun County is recognized as an optimal apple production area in Shaanxi, contributing significantly to the local economy [1] - The project is part of a broader strategy to support rural revitalization and high-quality development in agriculture [2]

Core Viewpoint - The "insurance + futures" model initiated by Dalian Commodity Exchange has successfully supported agricultural risk management for ten years, benefiting farmers and enhancing agricultural sustainability [1][4]. Summary by Relevant Sections Development and Impact - Since its inception in 2015, the "insurance + futures" model has expanded to cover 1,338 projects across 31 provinces, securing 20.15 million tons of agricultural products and providing over 2 billion yuan in compensation to 1.83 million households by the end of 2024 [1][3]. - In Guangxi, the model has been institutionalized with policies supporting its operation, leading to over 7.9 billion yuan in secured agricultural product value and benefiting nearly 19,800 households in 2024 [2]. Expansion into Livestock - The model was extended to the livestock sector in 2018, providing risk protection for farmers, particularly in response to price volatility in the pig market. In 2024, two projects in Fangchenggang provided 260 million yuan in risk coverage for nearly 180,000 pigs [2][3]. - Dalian Commodity Exchange has invested approximately 560 million yuan in 1,068 feed and livestock-related projects, resulting in over 1.05 billion yuan in compensation for 264,000 farmers across the country [3]. Future Directions - The "insurance + futures" model is recognized as a crucial part of China's agricultural risk management system, contributing to rural revitalization and agricultural stability. Future efforts will focus on deepening collaboration with local governments and enhancing project sustainability and replicability [4].