双险融合模式

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中华保险:创新南果梨“双险融合”模式 筑牢乡村振兴风险屏障
Ren Min Wang· 2025-09-19 00:21
Group 1 - The article highlights the significance of the South Fruit Pear industry in Anshan, Liaoning, as a key driver for rural revitalization, with an annual production of over 180,000 tons and a value exceeding 1.5 billion yuan, benefiting over 80,000 farmers [1] - The industry faces challenges due to weather-related risks, leading to significant fluctuations in yield and financial difficulties for farmers in recovery efforts [1] - The Anshan Financial Regulatory Bureau identified a lack of suitable agricultural insurance products and encouraged innovation in insurance offerings to create a risk protection framework for the South Fruit Pear industry [1] Group 2 - Based on the risk map, China United Property Insurance Anshan Branch proposed a dual insurance scheme combining "Comprehensive Fruit Tree Insurance" and "Weather Index Insurance," establishing a new mechanism for sustainable development in the South Fruit Pear industry [2] - The pilot project launched in August 2025 provides 15.6 million yuan in risk coverage, ensuring protection throughout the entire growth cycle of the South Fruit Pear [2] - This dual insurance model fills the gap in specialized insurance for the South Fruit Pear industry, stabilizing yield and income expectations while fostering new processing ventures such as pear wine and jam [2] Group 3 - The Anshan Financial Regulatory Bureau plans to guide institutions in enhancing the precision of risk protection, alleviating farmers' concerns [3] - The company aims to expand the coverage of local specialty industry insurance based on the pilot project, stimulating the development of the specialty industry [3] - The initiative is expected to support the South Fruit Pear as a vital asset in broadening the path to shared prosperity for farmers [3]