近期，江西抚州乐安县属农林开发有限公司与人保财险乐安支公司成功签署蔬菜（食用竹笋）种植保险合同，为3.9万多亩笋竹两用林，提供了总额高达 9894.4万元的风险保障。这一举措，如同为正在蓬勃发展的"乐安竹笋"产业撑起了一把坚实的"防护伞"，标志着金融助力乐安县特色农业产业发展迈出了关 键一步。 竹笋生产"靠天吃饭"的特性明显，极端天气、病虫害等不确定因素，一度制约规模化、标准化发展，影响经营主体信心与农民稳定增收的潜在隐患。此次与 人保财险乐安支公司达成的合作，精准切中了这一产业发展痛点。 据悉，该保险可为竹笋种植期间因自然灾害、病虫害等导致的损失提供全面保障，每亩保额达2500元。值得一提的是，该险种获得了省、市、县三级财政的 强力支持，财政补贴比例高达75%，极大减轻企业负担。 保险的"稳定器"作用已在过去一年得到切实体现。 2025年以来，部分区域降雨量偏少，对竹笋生长造成了一定影响。人保财险乐安支公司迅速响应，开通 绿色理赔通道，高效开展查勘定损工作，截至目前已为该公司支付保险赔款206万元。这笔及时的赔款，有效弥补了因灾损失，保障了两用林地的持续管护 投入和周边务工农民的收益稳定。 此次食用竹笋保险 ...

作为"保险+期货"模式服务乡村振兴的生动缩影，西盟天然橡胶项目再次印证了期货市场在服务实体经 济、管理行业价格风险中的关键作用。申万期货相关负责人表示，未来公司将持续深耕金融支农领域， 充分发挥自身专业优势，进一步拓展"保险+期货"模式的应用场景与覆盖范围，积极探索运用期货、期 权等衍生品工具服务更多农业品类。公司将在提升服务"三农"的广度与深度上持续发力，通过打造更精 准、高效、贴心的综合金融服务方案，为区域经济高质量发展贡献"期货智慧"与"期货力量"，续写金融 报国、支农惠农的崭新篇章。 随着"保险+期货"等金融创新模式的不断推广深化，金融赋能乡村振兴的路径愈发清晰。未来，将有更 多像西盟胶农一样的农户享受到金融发展的红利，在金融力量的持续加持下，农业强、农村美、农民富 的乡村振兴画卷正徐徐展开，愈发绚烂夺目。 据悉，该项目的顺利推进得益于多方协同的风险共担机制。项目总保费规模超300万元，其中上海期货 交易所提供专项资金支持，为项目落地奠定坚实基础；地方政府充分发挥引导作用，统筹协调各方资源 搭建合作桥梁；农户适度参与保费缴纳，进一步强化了自身风险防范意识。当橡胶市场价格出现不利波 动时，赔付资金及时足 ...

■郝飞 乡村全面振兴离不开金融活水的持续浇灌，银行需将金融资源与乡村发展需求深度耦合，以实打实的金 融担当赋能乡村振兴全链条发展。 为精准对接乡村振兴数字化、标准化发展需求，切实提升金融支农的效率与质量，银行可以积极推 广"金融科技+乡村振兴"模式，运用卫星遥感、物联网、区块链等先进技术，实现农作物长势监测、养 殖活体质押监管、农产品溯源等场景化应用，持续提升风险管控能力；建立统一的农村金融服务标准体 系，规范服务流程、产品定价、信息披露等关键环节，确保农民明明白白贷款、安安心心用款；依托手 机银行、惠农服务点等多元渠道，打造"线上+线下"融合服务网络，让数据多跑路、农民少跑腿，以标 准化服务筑牢金融支农的质量根基。 （文章来源：证券日报） 产业兴旺是乡村振兴的"牛鼻子"。银行需坚持"一县一业、一村一品"的差异化支持策略，精准滴灌乡村 特色产业。比如，围绕生猪产业"产能综合调控"目标，创新"生猪活体抵押+保险+期货"模式，既支持大 型猪企提质增效，也助力中小养殖户发展适度规模养殖；在特色农产品优势产区，重点扶持果蔬、茶叶 等特色产业集群，推广"产业链金融"服务，为核心企业及上下游农户提供全链条融资支持；在生态 ...

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 Viewpoint - Continuous rain in Shandong's Dezhou Lingcheng District poses significant challenges for the autumn harvest, particularly for corn, leading to issues such as high moisture content, drying difficulties, and financial constraints for farmers [1] Financial Support Measures - The Lingcheng Financial Regulatory Bureau has initiated a "credit + insurance" strategy to support farmers during the autumn harvest, ensuring food security and farmer income [1][3] - A special fund of 200 million yuan has been established to prioritize financing for new agricultural operators, family farms, and grain storage enterprises, with a total of 322 million yuan in various autumn harvest loans issued to date [3] Equipment and Operational Efficiency - Farmers are facing severe risks of delayed corn harvesting due to weather conditions, prompting banks to expedite loan approvals for purchasing drying equipment [2] - The Lingcheng Agricultural Commercial Bank has implemented a green approval channel, allowing farmers to receive loans quickly, with one farmer receiving 800,000 yuan within 48 hours [2] On-Site Financial Services - The establishment of 20 "autumn harvest financial service points" in villages aims to provide integrated services such as on-site loan processing and mobile fund disbursement [5] - A "financial service village ambassador" program has been initiated to enhance farmers' understanding of financial products and risk prevention [5] Insurance and Risk Management - Insurance companies have activated emergency response plans to assist farmers, with rapid claims processing and a focus on minimizing losses [6][7] - By October 18, 360,000 yuan had been paid out in claims, with a goal of completing 80% of claims by the end of October [7] - The establishment of specialized teams for damage assessment and the use of technology for efficient loss evaluation have been implemented to support farmers [8]

Core Insights - The "insurance + futures" project in Ximeng County, Yunnan Province, aims to provide a financial safety net for local rubber farmers, addressing the challenges posed by price volatility in the natural rubber market [1][2] - The project covers an insurance scale of 1,000 tons, benefiting 652 rubber farmers, and is designed to operate during the critical rubber tapping season [2] - The initiative not only offers price guarantees but also focuses on enhancing the financial literacy of farmers through training programs [2][3] Summary by Sections Project Overview - The project is supported by the Shanghai Futures Exchange and involves collaboration between Rongda Futures and China Pacific Insurance [1] - It aims to stabilize the income of rubber farmers in Ximeng County, which is crucial for poverty alleviation and rural revitalization [1] Financial Mechanism - Farmers voluntarily bear 10% of the insurance premium, with compensation provided if market prices fall below the agreed target price [2] - The project features an optimized options structure to enhance protection levels for farmers [2] Educational and Community Engagement - Rongda Futures plans to conduct training sessions to improve farmers' understanding of the "insurance + futures" model [2] - The initiative emphasizes a multi-dimensional approach, integrating finance, education, and community engagement to ensure long-term sustainability [2][3] Future Outlook - The project exemplifies the role of financial services in supporting the real economy, with plans for continued professional support to enhance the resilience of local industries [3]

Core Insights - The article highlights the challenges faced by farmers in Shandong due to continuous rainfall during the autumn harvest, which has delayed grain collection and created difficulties in grain processing [1] - The timely financial support from banks, particularly Postal Savings Bank, is crucial in addressing the urgent needs of farmers and ensuring food security [2] Group 1: Financial Support and Solutions - Postal Savings Bank has been actively providing loans to farmers and agricultural cooperatives to facilitate the purchase of essential equipment like high-end drying machines, which are critical for preventing grain spoilage [3][4] - The bank's quick loan approval process, exemplified by a 10-minute online loan application that provided 500,000 yuan, demonstrates its commitment to supporting farmers during this critical period [3] - In total, Postal Savings Bank's branches in Shandong have issued over 1.83 billion yuan in agricultural loans this autumn, benefiting nearly 765 entities involved in grain collection and processing [10] Group 2: Impact on Local Agriculture - The establishment of drying facilities, such as those operated by Guosheng Agricultural Technology Company, has significantly improved the efficiency of grain processing, allowing for the drying of up to 1,000 tons of grain daily [7] - The drying services provided by these facilities have alleviated the anxiety of farmers regarding grain spoilage due to adverse weather conditions, ensuring that their harvest can be safely stored [7][8] - The proactive measures taken by Postal Savings Bank, including the introduction of credit loans without collateral, have enabled agricultural enterprises to scale up their operations and meet the urgent demands of the harvest season [12][14]

Core Viewpoint - The integration of finance and agriculture through the "insurance + futures" model has significantly improved farmers' income stability, transforming the agricultural landscape and providing a safety net against price fluctuations [1][2][4]. Group 1: "Insurance + Futures" Model Implementation - The "insurance + futures" model was first introduced in 2016 and has been successfully implemented for ten years, significantly benefiting farmers by stabilizing their income [1][2]. - In 2023, the red date project in Makeyti County became the largest single variety "insurance + futures" project supported by Zhengzhou Commodity Exchange, covering 136,400 tons of red dates with an insured value of 1.657 billion yuan [2][3]. - The project has benefited over 19,400 households, providing insurance claims of over 15.5 million yuan, equating to 380 yuan per ton [2][3]. Group 2: Financial Stability and Risk Management - The introduction of the "insurance + futures" model has allowed farmers to lock in sales prices and gain additional profits through a "secondary pricing + order purchase" model, resulting in an extra income of approximately 107.6 yuan per ton [3]. - The model has created a positive cycle of financial support, industrial upgrading, and stable income growth for farmers, demonstrating the effectiveness of the "insurance + futures" approach [3][5]. Group 3: Broader Impact on Agriculture - The "insurance + futures" model has enhanced farmers' risk management capabilities, allowing them to better plan production and adopt modern agricultural techniques despite market volatility [5][6]. - The model has transformed traditional subsidies into more efficient risk protection mechanisms, improving the utilization of financial resources and fiscal funds [5][6]. Group 4: Future Prospects - The continued optimization and innovation of the "insurance + futures" model, along with the introduction of more agricultural futures and options, are expected to further invigorate the agricultural sector [6]. - Companies like Shenyin Wanguo Futures are committed to expanding the model and integrating social resources to enhance financial support for rural revitalization [6].

Group 1: Urban-Rural Integration and Resilience - The Beijing Municipal Political Consultative Conference emphasizes the importance of integrating urban-rural development with resilience in rural areas to enhance disaster prevention and recovery capabilities [2][3] - Recent extreme weather events highlight the need for a comprehensive approach to rural development and safety, which is crucial for maintaining investor confidence and supporting rural economic growth [2][3] Group 2: Infrastructure and Emergency Preparedness - The construction of dual-use public facilities that can serve both regular and emergency purposes is a focal point, with examples of successful conversions during emergencies [4] - Recommendations include enhancing the functionality of public spaces for emergency use and improving the overall emergency response capabilities in rural areas [4] Group 3: Rural Consumption and Tourism Development - There is significant untapped potential in the rural consumption market, with urban residents showing a strong interest in rural tourism and experiences [5][6] - Suggestions include creating diverse consumption scenarios and integrating cultural and ecological resources to enhance the attractiveness of rural tourism [6][7] Group 4: Agricultural Industry and Financial Support - The report stresses the importance of developing agricultural industry clusters and enhancing financial support for rural investments and consumption [8][9] - Recommendations include leveraging technology and brand empowerment to improve agricultural productivity and marketability, as well as fostering financial innovation to support rural development initiatives [8][9]

Core Viewpoint - Zhejiang Province has launched an innovative agricultural support service product called "Gongxiao Chain Agricultural Loan," which has provided credit of 15 million yuan to over 30 farmers within half a month of its launch [1] Group 1: Product Overview - "Gongxiao Chain Agricultural Loan" is based on the "Zhe Nong Fu" digital service platform, offering farmers specialized loans that are unsecured and low-interest [1] - The loan funds are designated for specific use, allowing farmers to directly pay for agricultural materials or machinery services [1] Group 2: Objectives and Benefits - The initiative aims to reduce financing costs for agricultural producers and lower the circulation costs of agricultural materials, while also shortening the repayment cycle for agricultural service providers [1] - The loan process is fully digitized, including application, credit assessment, and fund allocation, ensuring transparency and traceability of information [1] Group 3: Credit Mechanism - The "credit expansion with credit" mechanism dynamically increases farmers' credit limits based on transaction data, production data, and repayment records, fostering a positive cycle between financial support and industry development [1]