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面对连阴雨天气带来的影响——中国人寿财险山东省分公司多措并举为秋收提供风险保障
Qi Lu Wan Bao· 2025-10-11 11:40
提高保障程度,护航秋粮增收。作为山东省政策性农业保险的主要承保公司,今年中国人寿财险山东省 分公司各级机构共承保政策性玉米、水稻、大豆、花生等秋粮作物 684万亩,累计承担灾害损失保障61 亿元。中国人寿财险聊城市阳谷支公司在县财政的鼎力支持下,还将承保区域内的21.6万亩政策性玉米 完全成本保险升级为政策性玉米收入保险,使保障程度在2.05亿元的基础上又提高了1080万元。针对近 年来种植成本提高,政策性秋粮作物保险保障额度不能全部涵盖种植成本、甚至与实际市场价值有较大 差距的情况,今年公司先后推出秋粮收获期降雨指数保险、收入补充保险、产量保险等系列商业性附加 保险产品,在政策性和商业性保险总保额不高于市场价值的前提下,由农户自行选择合适的商业保险投 保,弥补了政策性保险与农户对实际收入预期的差距。中国人寿财险山东省分公司农村业务部负责人李 宝桐告诉记者:"今年,全省系统共承保商业性秋粮保险33.67万亩,承担风险保障2.11亿元。'政策+商 业'保险双轮驱动,构建起多层次、全流程的秋粮作物风险保障体系,化解秋粮'增产不增收'的矛盾,保 护农民种粮积极性。" 中国人寿财险山东省分公司负责人表示,公司将按照山 ...
面对连阴雨天气带来的影响——国人寿财险山东省分公司多措并举为秋收提供风险保障
Qi Lu Wan Bao· 2025-10-11 07:02
齐鲁晚报˙齐鲁壹点记者闫明 通讯员崔广勋 当前正值秋收的关键时期,连续多日的阴雨天气给山东省丰收在望的秋粮收获增加了困难和风险因素。 中国人寿财险山东省分公司及各级分支机构多措并举,全力以赴为秋收提供多方面的支持服务和风险保 障,受到广大农民群众的称赞。 提高保障程度,护航秋粮增收。作为山东省政策性农业保险的主要承保公司,今年中国人寿财险山东省 分公司各级机构共承保政策性玉米、水稻、大豆、花生等秋粮作物 684万亩,累计承担灾害损失保障61 亿元。中国人寿财险聊城市阳谷支公司在县财政的鼎力支持下,还将承保区域内的21.6万亩政策性玉米 完全成本保险升级为政策性玉米收入保险,使保障程度在2.05亿元的基础上又提高了1080万元。针对近 年来种植成本提高,政策性秋粮作物保险保障额度不能全部涵盖种植成本、甚至与实际市场价值有较大 差距的情况,今年公司先后推出秋粮收获期降雨指数保险、收入补充保险、产量保险等系列商业性附加 保险产品,在政策性和商业性保险总保额不高于市场价值的前提下,由农户自行选择合适的商业保险投 保,弥补了政策性保险与农户对实际收入预期的差距。中国人寿财险山东省分公司农村业务部负责人李 宝桐告诉记者: ...
破解林业发展风险难题 林业保险产品体系持续扩容
Jin Rong Shi Bao· 2025-09-17 09:03
Core Viewpoint - The recent notification from the People's Bank of China, the Financial Regulatory Administration, and the National Forestry and Grassland Administration aims to support the high-quality development of forestry through 15 financial measures, including the establishment of a comprehensive forest insurance product system [1][4]. Group 1: Forestry Economic Growth - The forestry economy is a crucial pillar of the national economy, contributing to ecological restoration and carbon sequestration while integrating various industries such as timber processing and forest tourism [2]. - The total output value of China's forestry industry reached 5.13 trillion yuan in the first three quarters of 2024, marking a year-on-year growth of 5.3%, with projections suggesting it could reach 1.5 trillion yuan by 2030 [2]. Group 2: Risks in Forestry Production - Forestry production is characterized by long cycles and high risks, with natural disasters like typhoons and droughts posing significant threats to forest resources [2][3]. - Recent typhoons caused over 40% reduction in some economic crops, highlighting the urgent need for a robust forestry risk protection system [2]. Group 3: Demand for Diverse Insurance Products - The growth of the forestry economy has led to increased asset value but also heightened demand for comprehensive risk coverage due to natural disasters and market fluctuations [3]. - The notification encourages the development of various insurance products, including index insurance, yield insurance, income insurance, and liability insurance, to address these risks [4]. Group 4: Innovations in Insurance Products - The notification promotes the optimization of forest insurance implementation plans and the innovation of insurance products, with a focus on creating a diverse insurance product system [4]. - For instance, Shanxi Province increased its policy forest insurance coverage from 1,000 yuan to 1,200 yuan per mu, which is expected to add 25 billion yuan in risk protection by 2025 [4]. Group 5: Enhancements in Insurance Services - The insurance industry is addressing challenges such as risk assessment difficulties and product adaptation issues, with a call for differentiated insurance product designs to meet diverse needs [6][7]. - Experts suggest that insurance pricing should be based on historical loss data and risk levels, with a dynamic adjustment mechanism to align premiums with actual risks [7]. Group 6: Technological Integration in Insurance - The integration of technology is seen as essential for improving the efficiency of forestry insurance claims and assessments, utilizing satellite remote sensing and drones for accurate damage evaluation [7]. - Establishing a comprehensive database for forestry information is also recommended to enhance the quality and efficiency of forestry insurance [7].
闫兴:金融服务助力特色农业产业集群
Jing Ji Ri Bao· 2025-08-26 00:07
Core Viewpoint - The article emphasizes the need for financial support to enhance the development of characteristic agricultural industry clusters, which is crucial for rural revitalization in China [1][2]. Financial Services and Challenges - Financial institutions have developed products for characteristic agriculture, but these are not deeply integrated into the entire agricultural industry chain, leading to a lack of comprehensive support [1]. - Challenges include difficulties in connecting production and finance, enhancing financing credibility, and an underdeveloped rural credit system [2]. Data and Information Issues - Rural credit systems and factor market construction in some regions are lagging, resulting in significant information asymmetry and fragmented agricultural data [2]. - High costs of agricultural data collection contribute to increased loan risks, and the reliance on fiscal subsidies for agricultural insurance limits the willingness of insurance companies to expand coverage [2]. Proposed Solutions - A new model combining "industry clusters + chain banks + financial solutions" is suggested, where a designated bank supports specific agricultural clusters by tailoring financial products to diverse needs [3]. - Risk mitigation measures should be enhanced by integrating agricultural subsidy funds and utilizing various financial tools to attract more financial resources into rural industries [3][4]. - Innovative guarantee methods are recommended for agricultural entities lacking standardized collateral, which includes relaxing access conditions and simplifying processes to improve financing accessibility [4].