Core Insights - The article highlights the transition of meteorological services in Julu County from merely "weather forecasting" to "supporting industries" through innovative agricultural insurance solutions [1][2] Group 1: Agricultural Insurance and Support - Julu County has introduced meteorological index insurance for specialty crops such as honeysuckle, fresh apricots, and high oleic peanuts, providing farmers with financial protection against extreme weather conditions [1][2] - Since the implementation of this insurance, the insured area for these specialty crops has reached 78,000 acres, with total compensation exceeding 13 million yuan [2] Group 2: Technological Advancements in Meteorology - The county has established a comprehensive meteorological service system that includes disaster prevention, response, and insurance, enhancing the risk management framework for local agriculture [2] - New meteorological monitoring stations and advanced technologies, such as laser wind radar, have improved the precision of disaster monitoring, with a station density of 4.3 kilometers [3] Group 3: Standardization and Branding - Julu County has developed the first local standard for honeysuckle cultivation meteorological services, providing detailed guidelines for farmers throughout the growth cycle [3] - The unique climatic conditions have led to the recognition of Julu honeysuckle as a "China Climate Good Product," which has been utilized by local businesses to enhance product branding [3] Group 4: Community Engagement and Future Plans - The county has integrated meteorological public services and disaster prevention into the legal responsibilities of townships, promoting a grassroots disaster management model [3] - Future initiatives include the construction of microclimate stations and the continuation of the "Observation as Service" concept to further benefit farmers [3]

"脐橙过冬就怕低温，往年一遇冻害，一年的辛苦就打了水漂，心里特别慌。"在湖北省秭归县的脐 橙园里，橙农李建国对记者说。 记者了解到，平安产险立足福建地方产业特性，推出"气象指数+地标产业"低温保险模式，通过财 政补贴支持、气象大数据建模及卫星遥感监测，科学设定区域化低温理赔阈值，同时上线"爱农 宝"App，实现风险保障与气候灾害精准挂钩。该模式覆盖茶叶、橄榄等特色作物，2024年至2025年期 间累计为福州、宁德茶果等产业提供超3893万元风险保障。 2025年初，福州遭遇极端低温天气，"爱农宝"App系统提前48小时推送预警，灾后48小时内完成气 象数据核验，春节前预付25.5万元赔款至14户农户账户。此外，宁德地区茶叶产业参保率同比提升 20%，承保茶园面积近万亩，累计减少冻害损失超1200万元，理赔时效较传统模式提升70%。 在2025年低温灾害中，平安产险秭归支公司高效完成理赔流程，于3小时内完成查勘，5日内完成定 损，整体赔付率达157%，其中单笔最大赔付9万元，赔付率达600%，及时帮助农户弥补损失、恢复生 产。秭归县人民政府办公室在感谢信中称赞，该保险让农户从"靠天吃饭"转向"看天定损"，助力橙 ...

抚顺市新宾满族自治县位于辽宁东部山区、浑河源头，依托独特的地理气候与生态条件，形成了适宜中 药材生长的自然环境。该地区土壤肥沃、矿物质丰富，气候四季分明、雨量适中，素有"辽东天然药 库"之称。作为辽宁省中药材种植示范县，新宾通过"龙头企业+合作社+农户"三级联动模式，逐步建立 起从自主育苗、标准化种植到精深加工的全产业链体系，产品远销全国多地。然而，该产业长期面临低 温冻害、连续降水等气象灾害的威胁，对稳定生产与农户增收构成持续压力。 保险频道更多独家策划、专家专栏，免费查阅>> 责任编辑：山上 为提升中药材产业抗风险能力，中华财险辽宁分公司联合华风象辑（北京）气象科技有限公司，创新推 出商业性中药材气象指数保险。该产品以新宾国家气象站监测数据为依据，针对中药材关键生长期的低 温与降水灾害，科学设置七级赔付标准。当低温持续时间或累计降雨量达到设定阈值时，系统自动触发 对应比例赔付，参保农户最高可获得保险金额100%的补偿，实现"气象数据定损、理赔流程高效"，既 简化了传统查勘环节，也显著提升了保障响应速度。 2025年11月，该保险产品在新宾县顺利落地，为2809亩中药材提供风险保障2456万元，覆盖人参、黄 ...

Core Insights - The report by Swiss Re focuses on the development status, risk characteristics, and insurance system construction of marine ranches in China, providing comprehensive references for risk protection in marine ranching [1][2][3]. Group 1: Development Background and Current Status - Marine ranching is a crucial component of the marine economy, integrating ecological protection, resource maintenance, and fishery production. It is defined by the construction of fishery ecosystems through artificial reefs and stock enhancement [1][9]. - The Chinese government has strongly supported marine ranch construction, with 189 national-level marine ranch demonstration zones approved by August 2024. The industry shows regional differences, with northern areas focusing on enhancement and recreational types, while southern areas emphasize maintenance types [1][34]. - The value added from China's marine fisheries is projected to reach 488 billion yuan in 2024, accounting for 11.2% of the main marine industries, indicating a shift from resource extraction to ecological maintenance [1][30]. Group 2: Risk Analysis - Marine ranching faces complex risks categorized into production risks and market/social risks. Significant production risks include meteorological disasters (typhoons, heavy rainfall), marine disasters (storm surges, red tides), and disease risks, with over 43% of product losses attributed to typhoons and floods in the past 20 years [2][46]. - Market risks include price fluctuations and fierce competition, while policy risks have a lower impact. New risks associated with deep-sea farming and the integration of marine ranching with wind power also pose potential threats [2][46]. Group 3: Insurance System - The marine ranch insurance system is evolving, primarily centered around aquaculture insurance, with supplementary coverage for facilities, liability, and natural ecological systems. The core insurance product is aquaculture insurance, which is expected to see significant premium growth in 2024 [3][12]. - The insurance products include traditional compensation types, meteorological index types (over 50% market share), and price index types, with Guangdong, Shandong, and Liaoning provinces accounting for two-thirds of the premium share [3][12]. - The natural ecological system insurance focuses on ecological value protection, with pilot projects in marine carbon sink insurance and mangrove insurance, although overall coverage remains low [3][12]. Group 4: Future Development - By 2030, the aquaculture insurance premium is expected to reach 3 billion yuan under neutral scenarios. The trend indicates that meteorological index insurance will become mainstream due to its objective data and efficient compensation [4][12]. - Strengthening risk management through pre-insurance risk surveys and leveraging big data platforms for comprehensive risk monitoring is essential. Collaboration with veterinary and aquaculture technology institutions is also recommended to explore innovative insurance models [4][12].

Core Viewpoint - The introduction of a policy-oriented oyster wind force meteorological index insurance in Qingdao has significantly alleviated the risks faced by oyster farmers, allowing them to operate with greater confidence and expand their farming activities [1][2]. Group 1: Industry Overview - Qingdao has nearly 100,000 acres of oyster farming areas, which serve as a natural barrier for coastal ecosystems [1]. - The oyster farming industry has historically faced threats from natural risks, particularly extreme weather events such as typhoons and strong winds [1]. Group 2: Insurance Product Details - The newly launched oyster wind force meteorological index insurance provides coverage for losses when wind force reaches a predetermined threshold, triggering compensation without the need for on-site damage assessment [2]. - A partnership between PICC and the Qingdao Meteorological Bureau has established a data-sharing mechanism to monitor wind speed in real-time, enhancing the efficiency of insurance claims [2]. Group 3: Impact on Farmers - The insurance product has transformed the mindset of oyster farmers, allowing them to feel more secure and encouraging them to expand their farming operations [2]. - Farmers like Mr. Lü have reported increased motivation and confidence in their operations due to the financial protection offered by the insurance [2].

Core Viewpoint - The introduction of a dual insurance model combining "temperature index derivatives" and "meteorological index insurance" aims to protect tea farmers in Wanyuan City from climate risks, particularly high temperatures, thereby enhancing their income and financial security [5][6][9]. Group 1: Financial Innovation - The "temperature index derivatives" project, initiated by Guotou Futures and Industrial and Commercial Bank of China, quantifies high-temperature risks into a transparent numerical curve, allowing tea farmers to hedge against climate-related losses [5][6]. - The project includes a financial support of 100,000 yuan from Guotou Futures to alleviate the cost burden on cooperatives participating in the derivatives trading [6]. - The meteorological index insurance covers 10,000 acres of tea plantations, with a total premium of 990,000 yuan, where 792,000 yuan is donated by the bank [6][7]. Group 2: Risk Management - The dual insurance model creates a closed-loop risk management system, where temperature index derivatives cover systemic high-temperature risks, while meteorological index insurance addresses localized climate variations [9][11]. - The flexibility of temperature index derivatives allows for diverse trading forms and efficient settlement, while meteorological index insurance provides precise coverage with minimal basis risk [7][9]. Group 3: Industry Impact - The financial tools introduced are expected to transform traditional farming practices, enabling tea farmers to manage risks proactively and encouraging investment in expanding tea plantations [11]. - The integration of financial instruments into the tea industry is seen as a significant innovation that not only secures farmers' incomes but also promotes the standardization and scalability of tea production [11].

Core Insights - Continuous high temperatures have significantly impacted the breeding of Chinese mitten crabs, leading to insurance payouts for affected farmers [1][2] - The rapid disbursement of insurance claims has provided crucial financial support for crab farmers during a critical breeding period [1] Group 1: Insurance Impact - The first batch of weather index insurance payouts for crab farming in Suzhou amounted to 1.0256 million yuan, covering 630 farmers and approximately 26,000 acres of crab ponds [1][2] - The insurance process is efficient and straightforward, triggering payouts based on specific temperature conditions, which enhances farmers' confidence in the system [2] Group 2: Farming Challenges - High temperatures in early July caused some aquatic plants in crab ponds to decay, which are essential for crab growth and water quality [1] - Farmers are taking measures such as replanting aquatic vegetation and increasing oxygen levels in the water to mitigate the effects of heat [1] Group 3: Insurance Coverage - This year, the insurance company has covered approximately 54,200 acres of crab and pond aquaculture, with a total insured amount of about 194 million yuan [2] - The insurance premium for farmers is subsidized, with farmers only needing to pay 30% of the premium, allowing them to access significant coverage [1]