Core Viewpoint - The "insurance + futures" project for apple farmers in Yan'an, Shaanxi Province, aims to provide stable income and risk protection against natural disasters and market fluctuations, significantly benefiting local farmers [1][3][4]. Group 1: Project Overview - The "insurance + futures" project allows apple farmers to pay around 100 yuan per mu for insurance, providing them with risk coverage for apple prices [1][5]. - The project was initiated in response to severe weather events, such as the 2016 hailstorm that devastated local apple crops, leading to significant financial losses for farmers [2][8]. - The project involves collaboration among futures companies, insurance companies, farmers, and apple enterprises, creating a comprehensive risk management system [3][4]. Group 2: Financial Structure - Farmers only bear about 20% of the costs, with the remaining 80% funded by various organizations, including local governments and futures exchanges [5][9]. - Longjiang Futures invests approximately 1 million yuan annually in the apple assistance project, demonstrating a strong commitment to supporting local agriculture [4][5]. Group 3: Benefits to Farmers - Farmers now have access to real-time market prices through a mobile app, empowering them to negotiate better prices with buyers [3][7]. - The project has led to increased financial stability for farmers, as they can receive compensation if their income falls below the agreed target due to price drops or poor harvests [4][6]. Group 4: Benefits to Apple Enterprises - Apple enterprises also benefit from the project by securing price guarantees through options contracts, allowing them to manage costs effectively [6][7]. - The collaboration between apple enterprises and farmers has deepened, with enterprises providing additional support such as low-cost agricultural inputs and unified purchasing agreements [7][8]. Group 5: Historical Context and Future Prospects - The "insurance + futures" model was first proposed in 2016 and has since expanded, with significant financial contributions from various stakeholders to support the project [8][9]. - The project aligns with national agricultural policies aimed at enhancing farmers' income and improving rural vitality, indicating a sustainable future for such initiatives [10].

2025年4月23日，中信期货联合陕西证券期货业协会、国元期货等单位，赴陕西省延长县开展"信兴农金 融赋能延长行——2024年延长苹果'收入险'项目、'订单收购+期货+交割'项目结项赔付仪式"，并与当地 政府座谈交流2025年乡村振兴支持计划，实地调研产业发展情况。陕西证券期货业协会秘书长谢群、中 信期货党委副书记严金明、国元期货副总经理尚永辉等参与活动，延长县委常委、副县长郝文强等领导 陪同调研。 "保险+期货"收入险项目顺利结项，助力果农稳收增收 在2024年延长苹果"收入险"项目赔付仪式上，中信期货联合中金所、国元期货、长江期货、银河期货、 中华思源工程基金会及陕西人保，向151户果农发放赔付款117.17万元。该项目承保果园面积2424.05 亩，总保费中金融机构及公益组织出资占比超84%，其余为农户自缴。承保周期内，项目通过期货市场 工具对冲价格波动风险，最终实现每亩赔付483.45元，全部理赔款已于2025年1月25日直达农户账户。 持续投入，多维帮扶构建乡村振兴长效机制 中信期货自2017年以来累计向延长县投入帮扶资金668.13万元，开展11个"保险+期货"项目、5个产业帮 扶项目、2个教育公 ...