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安吉白茶低温气象指数保险
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“白茶贷+气象险”护航安吉白茶产业健康发展
Jin Rong Shi Bao· 2025-08-21 04:44
Core Insights - Anji white tea has a planting area of nearly 170,000 acres and a brand value of 2.9 billion yuan, significantly contributing to local farmers' income with an average annual increase of about 5,000 yuan per farmer [1][2] Financial Innovations - Agricultural Bank of Anji County launched "White Tea e-loan" to meet the funding needs of tea farmers for expanding planting areas and updating equipment, leveraging financial technology and the "White Tea Industry Brain" platform [1] - The introduction of "White Tea Loan + Weather Insurance" combines loans with weather risk management, providing additional support to tea farmers and addressing funding gaps and income impacts from low-temperature weather [2] Risk Management - The Anji government and a local insurance company introduced the first weather index insurance for the tea industry, which compensates farmers based on temperature data during the tea picking season [1] - This innovative insurance product allows farmers to receive compensation if the daily minimum temperature falls below a predetermined level, thus mitigating risks associated with spring frost [1] Collaboration and Future Plans - The collaboration between Agricultural Bank, the local meteorological bureau, and the insurance company represents a new model of financial support for the agricultural sector [2] - The bank plans to explore more "finance + weather" applications and develop new financial tools to better serve local economic development and promote high-quality growth in Anji's green industry [2]