（来源：经济参考报） 在大商所"保险+期货"业务推出十周年之际，《经济参考报》记者跟随"重走来时路"主题调研团走进黑 龙江桦川县与北安市，重访全国首个"保险+期货"县域全覆盖项目与首批"银期保"试点项目现场。从地 方政府的政策推动者、期货公司的模式实践者，到保险公司的风险保障者，再到农户与收粮企业的直接 受益者，各方亲历者共同讲述了十年间金融活水如何浸润黑土地，让"保险+期货"从纸面政策逐步转化 为农民稳收增收的"定心丸"。 "桦川模式"：书写乡村振兴新答卷 "2019年那场内涝，要是没有'保险+期货'，我们很可能就返贫了！"在桦川县座谈调研中，一位参与项 目的种植户道出了心声。当年，桦川县遭遇严重内涝，337户脱贫户通过该项目获得赔付466万元，有效 抵御了灾情的冲击。这一案例正是"桦川模式"十年实践的生动缩影。 作为三江平原的典型农业县，桦川县农业产值占全县生产总值近40%，但"靠天吃饭"的困境与价格波动 的风险长期制约着当地的发展。2016年，"保险+期货"模式被写入中央一号文件，桦川县迅速响应，在 大商所支持下，联合期货公司与保险公司开启了探索之路。 "从2016年1万吨大豆价格险试点，到2018年实 ...

Group 1 - The signing of the vegetable (edible bamboo shoot) planting insurance contract by Jiangxi Fuzhou Le'an Agricultural and Forestry Development Co., Ltd. and PICC Le'an Branch provides risk protection totaling 98.944 million yuan for over 39,000 acres of bamboo shoot forests, marking a significant step in financial support for the development of the "Le'an Bamboo Shoot" industry [1][3] - The insurance addresses the challenges faced by the bamboo shoot production industry, which is heavily reliant on weather conditions and susceptible to extreme weather and pests, thereby enhancing the confidence of operating entities and ensuring stable income for farmers [3][4] - The insurance offers comprehensive coverage for losses due to natural disasters and pests during the bamboo shoot planting period, with a coverage amount of 2,500 yuan per acre, supported by a substantial financial subsidy of 75% from provincial, municipal, and county levels [3][4] Group 2 - The successful implementation of the edible bamboo shoot insurance not only provides a safety net for production operations but also represents an important achievement in innovating financial support for agriculture and optimizing the agricultural development environment in Le'an County [4] - This initiative effectively mitigates the impact of natural risks on industry development, enhances the ability of new agricultural operators to withstand risks, and creates a more stable and predictable environment to attract more social capital and operators into the bamboo shoot industry [4] - Future plans include accelerating the standardization of bamboo shoot forests, deepening the branding and market expansion of "Le'an Bamboo Shoot," and continuously improving mechanisms to connect farmers, aiming to establish the bamboo shoot industry as a pillar of rural revitalization and a source of wealth for the community [4]

Core Insights - The frequent price fluctuations of natural rubber have long been a key pain point restricting the stable development of the industry, particularly affecting farmers in Ximeng County, Yunnan Province, where rubber plantations are a core income source for thousands of families [1] - The "insurance + futures" financial innovation model has emerged as a precise solution to address this industry challenge, creating a risk-hedging closed loop that effectively supports agricultural production [1] Summary by Sections Project Implementation - The "insurance + futures" pilot project in Ximeng County, supported by the Shanghai Futures Exchange and implemented by Shenwan Hongyuan Futures Co., Ltd. and China People's Property Insurance Co., Ltd. Yunnan Branch, has successfully concluded, providing risk protection for 4,400 tons of natural rubber and covering over 2,000 rubber farmers [1][2] - The project achieved a compensation amount of approximately 3.5 million yuan, with a compensation rate of 111%, effectively establishing a safety net for rubber farmers and injecting strong momentum into the local rubber industry [1][2] Risk-Sharing Mechanism - The successful advancement of the project is attributed to a collaborative risk-sharing mechanism, with a total premium scale exceeding 3 million yuan, supported by special funds from the Shanghai Futures Exchange and coordinated by local government [2] - Farmers' participation in premium payments has enhanced their risk awareness, and timely compensation during adverse market price fluctuations has stabilized production enthusiasm among farmers, acting as a stabilizer for the sustainable development of the rubber industry in Ximeng [2] Future Prospects - The core of the "insurance + futures" model lies in establishing a comprehensive risk management closed loop, where farmers secure prices through insurance, insurers transfer potential payout risks to futures companies, and futures companies conduct hedging operations in the futures market [2] - The project exemplifies the critical role of the futures market in serving the real economy and managing industry price risks, with plans for further expansion of the "insurance + futures" model to more agricultural categories [3] - As financial innovation models like "insurance + futures" continue to deepen, the path for financial empowerment in rural revitalization becomes clearer, promising more farmers will benefit from financial development, contributing to a vibrant rural landscape [3]

Core Viewpoint - The continuous infusion of financial resources is essential for the comprehensive revitalization of rural areas, requiring banks to deeply integrate financial resources with rural development needs [1] Group 1: Financial Support Strategies - Banks should establish a multi-party service ecosystem involving government, enterprises, and farmers to empower rural revitalization [1] - A regular consultation mechanism with local agricultural and rural departments is necessary to align with rural revitalization plans and projects, particularly in areas like food security and high-standard farmland construction [1] - Innovative financial products should be developed to complement government subsidies and risk compensation policies, creating a "finance + policy" synergy [1] Group 2: Industry-Specific Support - Banks need to adopt a differentiated support strategy of "one county, one industry; one village, one product" to accurately nurture rural specialty industries [2] - For the pig industry, a new model combining "live pig collateral + insurance + futures" should be introduced to support both large enterprises and small farmers [2] - Emphasis should be placed on supporting specialty agricultural clusters such as fruits and vegetables, promoting "industrial chain finance" services for core enterprises and upstream/downstream farmers [2] Group 3: Financial Accessibility and Innovation - Transitioning from a "sit merchant" to a "walking merchant" model is crucial for improving rural financial services [2] - The construction of a rural credit system should be deepened, linking credit evaluation results directly to loan amounts and interest rate discounts for trustworthy farmers [2] - Financial products like "Huinong Loan" and "New Farmer Loan" should be developed to meet farmers' actual needs, simplifying approval processes for easier access [2] Group 4: Digital and Standardized Financial Services - Promoting a "financial technology + rural revitalization" model can enhance the efficiency and quality of financial support for agriculture [3] - Advanced technologies such as satellite remote sensing and blockchain should be utilized for monitoring crop growth and livestock collateral management [3] - Establishing a unified rural financial service standard system will ensure transparency in loan processes and enhance the quality of financial support for farmers [3]

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]