Core Insights - The implementation of the "insurance + futures" project for apples has significantly improved the financial security and market awareness of farmers in the Loess Plateau region, leading to increased participation and confidence in risk management [1][2][3]. Group 1: Project Implementation and Impact - The "insurance + futures" project has been recognized by various stakeholders in the apple industry, helping farmers address challenges such as low prices and income volatility [2][4]. - Since its pilot in 2021, the project has insured over 40,000 acres and covered more than 60,000 tons of apple production, benefiting nearly 6,000 households with over 20 million yuan in compensation [4][8]. - Farmers have reported increased participation and interest in the project, with many expressing a desire to insure more acreage due to the financial security it provides [3][5]. Group 2: Financial Innovation and Risk Management - The project has introduced a dual protection mechanism for farmers, covering both price and yield risks, which has been crucial in mitigating the impact of natural disasters and market fluctuations [4][12]. - Financial tools such as options and futures have been tailored to meet the specific needs of local enterprises and farmers, enhancing their ability to manage risks effectively [10][12]. - The collaboration between financial institutions and agricultural producers has fostered a stable supply chain, allowing farmers to focus on cultivation while ensuring their income is protected [11][13]. Group 3: Economic and Community Development - The apple industry is a key driver of economic development in the region, and the "insurance + futures" project has played a vital role in supporting rural revitalization efforts [8][14]. - The influx of financial capital into the apple sector has facilitated modernization and improved infrastructure, transitioning the industry from traditional practices to more efficient, technology-driven methods [14]. - The project has established a mutually beneficial relationship between farmers and enterprises, promoting long-term cooperation and enhancing the overall resilience of the apple supply chain [13][14].

Core Viewpoint - Guoyuan Futures has been actively supporting the rural revitalization of Yan Chang County through innovative financial tools and direct investment in local industries since 2018, creating a positive cycle between finance and agriculture [1] Group 1: "Insurance + Futures" Constructs Price Safety Net - Guoyuan Futures has implemented price insurance projects in Yan Chang County, covering an area of 24,000 acres and a production volume of 36,000 tons, with a total premium of 5.8 million yuan, of which Guoyuan contributed 1.2 million yuan [2] - The project has compensated 960 farmers a total of 7.8 million yuan, achieving a compensation rate of 134%, effectively hedging against price volatility risks [2] - A combination product of "price insurance + yield insurance" has been designed, covering over 1,000 acres and 1,500 tons of apples, benefiting over 150 farmers with a total compensation of 600,000 yuan, ensuring stable income for local apple growers [2] Group 2: "Order + Futures" Connects Production and Sales - In a 2022 project with Xintianyou Fruit Cooperative, Guoyuan Futures donated 159,100 yuan in rights fees and ultimately compensated 315,950 yuan, achieving a compensation rate of 126%, which is 6.95 times the cooperative's self-paid costs [3] - In 2023, a pilot "order agriculture + futures" model was initiated, signing a guaranteed purchase agreement for 1,500 tons with three deep processing enterprises, resulting in a 98% fulfillment rate of farmer orders and an average annual income increase of 3,200 yuan per household [3] - This model has stabilized the local apple price at 7.5-8.5 yuan/kg, providing a premium of 10%-15% over non-project areas [3] Group 3: Industry Support Activates "New Income Engine" - From 2021 to 2025, Guoyuan Futures has invested over 400,000 yuan in projects like "Beautiful Orchard" construction and sweet potato seedling base establishment, creating a balanced support ecosystem of "blood transfusion + blood production" [4] - The latest agreement for sweet potato industry support focuses on upgrading infrastructure and enhancing the entire value chain, with increased investment in seed breeding systems and storage logistics [4] - Guoyuan Futures aims to build a diversified consumption support network, integrating online and offline resources to broaden agricultural product sales channels, effectively driving the upward movement of regional specialty agricultural products and creating new income paths for farmers [4]