本文字数：7572字 阅读时间：13分钟 作者简介：王嘉启，中国太平洋财产保险股份有限公司高级经理，太安农业保险研究院研究员；张璞，农业农村部计划 财务司金融保险处副处长、四级调研员；李嘉良，中国太平洋财产保险股份有限公司高级经理，太安农业保险研究院研 究员；朱铭（通讯作者），中国太平洋保险（集团）股份有限公司博士后科研工作站、太安农业保险研究院博士后。 文章来源：《保险理论与实践》2025年第7辑 一、引言 高标准农田指土地平整、集中连片、设施完善、农电配套、土壤肥沃、生态良好、抗灾能力强，与现代农业生产和经营 方式相适应的旱涝保收、高产稳产的农田。集中连片建设高标准农田，有利于提升农业规模效益和机械化水平，促进绿 色发展与乡村振兴。农业农村部相关数据显示，通过高标准农田建设，机械化水平提高15～20个百分点，亩均节水率为 20%～30%，节电率在30%以上，亩均化肥施用量减少10%以上，农药施用量减少20%左右。全国高标准农田存量从2017 年的5.6亿亩逐年增长至2023年底的超10亿亩。目前，我国高标准农田数量已占19.18亿亩耕地的一半以上，覆盖了我国 东北、黄淮海、长江中下游等六大粮食主产区的不同 ...

Core Insights - Food security is a crucial aspect of national security, with the goal of achieving stable and abundant summer grain production by 2025, reaching a yield of 375.6 kg per mu, an increase of 0.1 kg per mu from the previous year [1] Group 1: High-Standard Farmland Development - The construction of high-standard farmland is essential for improving agricultural productivity and ensuring food security, with over 1 billion mu of high-standard farmland established nationwide by the end of last year [1] - High-standard farmland features well-structured irrigation systems, smooth roads, and efficient land use, which enhances agricultural mechanization and information technology [2][5] - The implementation of high-standard farmland has led to significant increases in crop yields, with reports of wheat yields exceeding 410 kg per mu, a 40 kg increase compared to pre-construction levels [4] Group 2: Agricultural Mechanization and Efficiency - The use of large agricultural machinery has become feasible due to the consolidation of fragmented farmland, resulting in a 50% reduction in labor costs and minimal waste during harvesting [4][5] - The integration of smart irrigation systems and agricultural IoT devices has improved water management, allowing for precise irrigation and monitoring of crop conditions [8][9] - Water-saving technologies, such as integrated water and fertilizer systems, have been adopted, leading to a 25% reduction in annual water usage and a 68% increase in fertilizer efficiency [10] Group 3: Management and Maintenance of Farmland - Effective management and maintenance of high-standard farmland are critical for sustaining its benefits, with local governments implementing structured management systems [12][16] - Innovations in monitoring, such as the use of drones for inspections and data collection, have enhanced the ability to address issues promptly and maintain farmland quality [17]

Group 1 - The article highlights the issue of misappropriation of funds by local officials, specifically regarding a deposit for agricultural infrastructure maintenance [1][2] - The local farmer faced delays in the return of a 10,000 yuan deposit, which was supposed to be refunded after the maintenance period [1] - The investigation by the municipal disciplinary inspection and supervision commission led to the recovery of the funds after the local official admitted to misusing not only the deposit but also other compensation funds [2] Group 2 - The involvement of the municipal disciplinary inspection and supervision commission was crucial in addressing the corruption issue and ensuring the farmer received the owed funds [2] - The local official was expelled from the party and faced legal consequences for the misappropriation of funds [2] - The case underscores the importance of oversight mechanisms in protecting the interests of local farmers and ensuring accountability among local officials [2]

Core Viewpoint - The legislative hearing on the draft of Shandong Province's Grain Security Guarantee Regulations focuses on high-standard farmland management and ensuring the income of grain producers, highlighting the importance of legislative support for agricultural practices and food security [1][2]. Group 1: High-Standard Farmland Management - The construction of high-standard farmland can generally increase grain production capacity by about 10% [2]. - Suggestions were made to further detail the responsibilities and duties of operators in the management of high-standard farmland, as well as to establish a supervision and assessment mechanism [3]. - The need for clear accountability for negligence in management and more stringent regulations on the use of funds for high-standard farmland was emphasized [3]. Group 2: Income Security for Grain Producers - There is a continuous concern about attracting more individuals to engage in grain production, with suggestions to enhance the income security mechanism for grain producers [4]. - Recommendations include supporting regional specialty development and strengthening the social service system to encourage participation from village organizations and social service entities [4]. - The importance of collaboration between research institutions and farmers to promote high-yield, drought-resistant varieties and water-saving technologies was highlighted [4]. Group 3: Grain Storage and Safety - The establishment of a government grain storage inspection system is crucial for ensuring food security, with calls for clear accountability and penalties for quality and safety violations [5]. - Suggestions were made to empower regulatory bodies with enforcement authority to ensure compliance with storage and quality standards [5]. - The proposal to incorporate "smart grain storage" initiatives to achieve comprehensive IoT monitoring across all grain storage facilities was discussed [5].