Core Viewpoint - Agricultural insurance plays a crucial role in modern agricultural risk management, safeguarding farmers' interests, effectively dispersing natural risks, maintaining agricultural production stability, and promoting high-quality rural economic development [1][10]. Group 1: Company Overview - Established in 1986, the Xinjiang Production and Construction Corps Agricultural Production Insurance Company has evolved into a national state-owned insurance enterprise, China United Property Insurance Company [1][10]. - The Xinjiang branch of China United Property Insurance Company has developed a comprehensive service network across Xinjiang, including 20 regional branches, 1 business department, 300 county-level branches, and 1,947 village-level service points [1][10]. Group 2: Agricultural Insurance Achievements - In 2025, the company insured over 20 million acres of crops and more than 10 million livestock, providing risk coverage of 50 billion yuan to over 600,000 farming households [3][12]. - The company has expanded its agricultural insurance offerings to include major crops like cotton, wheat, and corn, as well as innovative products such as weather index and yield enhancement insurance [3][12][13]. Group 3: Technological Innovations - The company has implemented a "space-ground" integrated smart agricultural insurance system using advanced technologies like remote sensing, drones, GPS, and GIS [4][14]. - This system allows for "map-based underwriting" and "map-based claims," enhancing the accuracy of underwriting data and improving loss assessment efficiency [4][14]. Group 4: Disaster Prevention and Response - The company established a collaborative mechanism with local agricultural and meteorological departments to enhance disaster prevention and response, exemplified by a successful response to hail damage in July 2025 [5][15]. - The rapid assessment and claims process following disasters has significantly reduced the financial impact on farmers, with claims processed within 48 hours in some cases [6][16]. Group 5: Collaboration and Future Outlook - The company collaborates closely with local agricultural departments, forming a cooperative mechanism that integrates government guidance, insurance leadership, and multi-party participation [7][18]. - Looking ahead, the company aims to deepen its "agricultural insurance priority strategy," enhance technological investments, and explore new risk monitoring mechanisms based on IoT and big data [9][19].

齐鲁晚报·齐鲁壹点 胡晓娟 通讯员 周晓光 金秋十月，正值"三秋"生产关键时期。连日来，受连续阴雨等极端天气影响，山东省部分地区的秋粮作物面临倒伏、霉变、收割受阻等多重挑战。作为农业 保险的主力军，中国人民财产保险股份有限公司（以下简称"人保财险"）山东分公司坚决贯彻省委、省政府决策部署，秉持最大限度降低灾害损失、保护农 民利益的精神，以"战时状态"全力投入保险保障攻坚战。扎实推进"精准承保"与"精准理赔"双轮驱动，借力科技赋能，深化政企协同，在全省全面构筑起粮 食安全的风险防护网。 精准施策 构建高效理赔系列机制 在灾害发生前，人保财险山东分公司将风险防控关口前移，着力构建"精准承保"体系。公司依托自主研发的智农保平台，整合土地确权、种植结构、历史灾 害等数据，实现承保标的精准识别与风险分级。在承保过程中，使用"耘智保"APP进行标的查验，确保承保资料真实准确、保险责任清晰明确。同时，针对 不同区域、不同作物的风险特点，开展差异化承保策略，为后续精准理赔和风险减量奠定坚实基础。 为迅速贯彻落实省委金融办保险保障"三秋"生产座谈会精神和省财政厅农业保险专题会议精神，人保财险山东分公司于10月10日紧急召开全省 ...