中证报中证网讯（记者 马爽 王超）近日，2025年河南兰考花生"保险+期货"项目启动仪式在兰考县人民 政府会议中心举办。此次启动仪式由兰考县副县长张志勇主持，郑州商品交易所、中原农业保险股份有 限公司、广发期货有限公司及多家期货公司的相关负责人，以及兰考县各镇农户代表约50人参加。 据介绍，此次试点项目主要服务对象为河南省开封市兰考县的花生种植农户。兰考县花生常年种植面积 约25万亩，总产量约8.25万吨。此次试点项目预计保障花生现货规模约2万吨，对应种植规模约8万亩。 该项目依托郑商所花生期货价格，旨在通过创新型农业价格风险管理工具，解决花生价格波动大的难 题，有效保障农户利益，推动兰考县花生产业的可持续发展。 这已是广发期货第二年参与该项目。2024年，广发期货牵头的兰考花生"保险+期货"项目为6044户农户 提供价格保障，承保面积达9.04万亩，项目金额达1.6亿元；项目于2025年2月顺利完成理赔，赔付金额 达722.83万元，每亩赔款79.93元，约为农户自缴保费的7.3倍，切实稳定了农户收益。 ...

据央视新闻消息，北京市农业农村局宣布开辟农业保险赔付绿色通道，旨在快速应对近期降雨对农业生 产的影响。保险机构已连夜协调，按照"快查勘、快定损、快理赔"原则，简化报险流程，确保农户报案 后24小时内进行现场查勘并快速完成理赔。此外，北京市已储备救灾种子11.25万公斤和防控物资5万余 件，统筹各区储备农田排涝设备1266台套，以保障农业恢复生产。农业专家已赴密云等地指导复产，后 续将视情况启动救灾物资发放和农田排涝工作。 ...

Core Insights - The article discusses the impact of natural disasters on apple production and the varying responses of different agricultural entities to mitigate risks associated with these disasters [1][2] - It highlights the role of financial institutions in supporting agricultural disaster prevention and recovery efforts, emphasizing the need for tailored financial services [2][5] - The growth of agricultural insurance in China is noted, with a significant increase in premium scale and coverage, indicating a more robust risk management framework [3][4] Group 1: Agricultural Production and Risks - Apple production in certain regions typically flowers in mid-March and is harvested by October, facing risks from natural disasters such as hail and frost [1] - Different agricultural entities have varying strategies for risk management, influenced by their financial capabilities and experiences with past disasters [2] Group 2: Financial Support and Agricultural Insurance - In 2024, China's agricultural insurance premium scale reached 150 billion yuan, covering 147 million households and providing risk protection exceeding 5 trillion yuan [3] - The introduction of innovative insurance products, such as cost insurance and income insurance, has contributed to a diversified agricultural insurance system [3][4] Group 3: Policy and Regulatory Framework - In 2015, regulatory bodies established unified guidelines for agricultural insurance to mitigate adverse selection and enhance the governance of natural disaster risks [4] - The development of agricultural catastrophe insurance has gained traction, with pilot programs in eight provinces, indicating a growing recognition of its importance [4][9] Group 4: Financial Mechanisms and Innovations - Banks have developed rapid response mechanisms for disaster recovery, simplifying loan processes to support agricultural entities post-disaster [5] - The emergence of weather derivatives as a financial product aims to assist in risk management for agriculture, utilizing authoritative meteorological data [6] Group 5: Integration of Resources and Data Sharing - The need for better integration of agricultural disaster resources and financial services is emphasized, with a focus on overcoming information silos among various sectors [10] - Encouraging data sharing among banks and insurance companies can enhance the efficiency of financial services provided to agricultural entities [10]

Core Insights - Summer grain production is crucial for ensuring annual food security, with agricultural insurance playing a significant role in this process [1][2] - Suzhou's wheat comprehensive cost insurance covers 112.8 million mu, accounting for 98.3% of the sowing area, providing 1.128 billion yuan in risk protection, a 28.37% increase from the previous year [1] - The financial leverage of over 85% subsidy on premiums effectively mobilizes social capital for food security, achieving a multiplier effect of 25 times for every 1 yuan of fiscal input [1] Group 1: Risk Management and Response - Suzhou has established an innovative "agriculture-led + meteorological warning + insurance safety net" management system for risk control [1] - A regular joint mechanism involving finance, agriculture, and meteorology departments has been set up to enhance emergency response capabilities [1] - Following a storm disaster in April, a rapid response system was activated, completing damage assessments for 511 agricultural facilities within 24 hours, with compensation of 5.21 million yuan disbursed within a week, speeding up the process by 40% [1] Group 2: Drought Resistance and Technological Innovation - Suzhou allocated 15.3 million yuan in emergency funds for drought resistance, implementing measures such as foliar fertilization on 2.171 million mu and artificial rainfall six times [2] - A smart agricultural insurance platform is being developed, featuring an integrated monitoring system that enhances risk management precision and claims efficiency [2] - Satellite remote sensing for dynamic monitoring of wheat has achieved a disaster identification accuracy rate of 92%, and the "drone + AI" damage assessment model has a precision of 95% [2] Group 3: Future Developments - The Suzhou Finance Bureau plans to deepen supply-side reforms in agricultural insurance and explore more "insurance +" innovative products [2] - The goal is to build a multi-level protection system that aligns with modern agricultural development, contributing more to the modernization of agriculture in Suzhou [2]

20 23年9 月，习近平总书记在黑龙江考察时首次提出"新质生产力"的概 念，阐述了新质生产力的具体表现。新质生产力的提出基于改革开放积累 的雄厚的经济实力和前沿技术的不断发展，是我国生产力实现新跃迁的重 要体 现。服务 好新质 生 产 力的 发 展， 是金 融支 持高 质量 发展 的关 键 着力 点，也是实现金融业自身转型升级的现实需要。 保险作为经济减震器和社会稳定器，面对颠覆性技术和前沿技术催生的新 产业、新模式、新动能，该如何服务新质生产力的发展？四川以国家战略 为导向，聚焦低空经济、新能源产业等新质生产力核心领域，通过产品创 新、科技赋能，构建全周期、多维度的风险保障体系，为四川经济社会高 质量发展经济转型做出了突出贡献，其模式具有很好的借鉴价值。 "护航"低空经济 低空经济是新质生产力的典型代表。低空经济飞行活动包括警用航空、海关航空、通用航航空以及部分的军用航空。低空飞行器类别主要包括： eVTOL （ 300-1000 米）、工业级无人机和部分载人飞行器（ 120-300 米）和消费级无人机及部分工业级无人机（ <300 米）。低空航空器与物联网、数字智能化 和实际生产生活相结合，带动民用航空 ...

Core Viewpoint - The Henan Provincial Government has issued an implementation opinion to deepen rural reform and promote comprehensive rural revitalization, focusing on agricultural insurance and grain production support policies [1] Group 1: Agricultural Insurance Mechanism - The government aims to improve the disaster risk dispersion mechanism for agricultural insurance [1] - There will be a reduction in the county-level premium subsidy burden for agricultural insurance in major grain-producing counties [1] Group 2: Grain Production Support Policies - The implementation of policies to ensure the income of grain farmers, including subsidies for land fertility protection and minimum purchase prices for rice and wheat [1] - Strengthening the monitoring, analysis, and early warning of the entire grain and important agricultural product supply chain [1] - Reforming the grain purchase and storage management system to balance market-oriented purchases and policy-based storage [1] Group 3: Agricultural Inputs and Price Stability - Continued promotion of provincial-level fertilizer government reserves and mechanisms to stabilize agricultural input supply and prices [1] - Efforts to maintain reasonable price levels for important agricultural products, including grain [1] Group 4: Public Service and Compensation Policies - Implementation of actions to enhance public service capabilities in major grain-producing counties [1] - The introduction of reward and compensation policies for major grain-producing counties under central coordination [1] - Implementation of inter-provincial horizontal benefit compensation policies for grain production and sales areas [1]