四川的农业保险保费补贴险种分为中央补贴险种和地方补贴险种，具体来看，保险标的包括种植 业，如水稻、玉米、小麦等；养殖业，如能繁母猪、育肥猪、奶牛；森林、涉藏特定品种等；也 包括地方优势特色保险品种，如特色川菜、川果。 从缴费比例来看，大部分保费由财政资金承担，参保农户只需缴纳一小部分保费。比如在四川， 农户如果要购买三大主粮（水稻、玉米、小麦）的政策性农业保险，只需要缴纳20%的保费，其 余部分由中央、省、市、县级财政按比例分担。 网友评论 ◎楚歌：参保遵循农户自愿，支农惠农好政策更加深入民心。 ◎忆夕：企业跑路不能让农民背锅，农业保险"谁种谁保"很合理，财政出大头、农民出小头，这 才是惠农该有的样子。 □四川日报全媒体记者 史晓露 近日，一位来自广元的网友通过"四川省网上群众工作平台——问政四川"反映，自家的土地承包 给企业种植红心猕猴桃后，遇到经营方跑路。该网友咨询："以前该企业购买了农业保险，现在企 业跑了，我们还需要购买吗？" 这并不仅仅是这位网友的疑惑，不少农户也关心，如果土地流转给了合作社或者农业企业，农民 还需要缴纳农业保险吗？对此，记者采访了省财政厅相关负责人。 省财政厅金融与资本管理处相关负 ...

Core Viewpoint - The new agricultural insurance policy in Rizhao City aims to enhance agricultural risk management, protect farmers' interests, and promote rural revitalization, responding positively to the central government's directives on expanding insurance coverage [1][2]. Group 1: Insurance Policy Details - The new policy includes six types of insurance, covering complete cost insurance for wheat, corn, rice, and soybeans, as well as income insurance for corn and soybeans [1]. - The coverage amounts for complete cost insurance are set at 1,000 yuan per mu for wheat, 950 yuan for corn, 1,150 yuan for rice, and 700 yuan for soybeans, with premiums of 30 yuan, 40 yuan, 46 yuan, and 35 yuan per mu respectively [1]. - The income insurance for corn and soybeans has coverage amounts of 1,000 yuan and 830 yuan per mu, with premiums of 55 yuan and 45 yuan per mu, and insurance rates ranging from 3% to 5.5% [1][2]. Group 2: Financial Support and Subsidies - Farmers are required to bear only 20% of the premiums, with the central government subsidizing 35% and provincial government providing additional subsidies based on the region [2]. - The new policy significantly increases premium subsidies, with a total subsidy of 80% for major grains and soybeans, alleviating the financial burden on farmers [2]. Group 3: Progress and Achievements - From 2020 to 2024, the scale of policy-based agricultural insurance premiums in Rizhao has grown by 28%, reaching 105 million yuan, while financial subsidy funds increased by 25% to 82.67 million yuan [2]. - The risk coverage level has risen by 41%, reaching 3.243 billion yuan, and the number of insured farmers has increased by 17%, totaling 564,100 instances [2]. Group 4: Local Insurance Innovations - Rizhao has developed six local specialty insurance products tailored to its agricultural characteristics, including insurance for silkworms, tea, blueberries, and marine farming [3]. - The agricultural insurance system is continuously improving, with the establishment of a high-quality development joint meeting mechanism and the issuance of management guidelines to enhance the efficiency of financial fund usage [3]. Group 5: Future Directions - The Rizhao City Finance Bureau plans to strengthen collaboration with agriculture and financial regulatory departments to further expand and enhance agricultural insurance coverage, ensuring better benefits for the agricultural sector [3].