广东人保财险： 五大维度精准发 力，高质服务农 业强省建设_南 方+_南方plus 累计为全省338 万户次农户提供 农险风险保障 1212亿元；助力 粮食和重要农产 品稳产保供，承 保水稻864.7万 亩，提供风险保 障104.53亿元， 赔付金额3.04亿 元，受益农户 34.57万户次； 开发及修订落地 产品达95个，累 计开办特色农险 产品数量达160 个，提供特色风 险保障超173亿 元，对"粤"字牌 岭南特色农业支 持力度显著增 强。 这是中国人民财 产保险股份有限 公司（以下简 称"人保财险"） 广东省分公司农 业农村保险部 2024年的部分成 绩单。 近年来，人保财 险广东省分公司 始终将农业保险 作为金融支 持"百千万工 程"的核心抓 手，构建起"保 防救赔"一体化 服务体系，以高 质量、可持续的 保险供给，围绕 粮食安全、特色 产业、风险减 量、数智转型、 乡村振兴五大维 度精准发力，为 广东农业强省建 设注入强劲动 力。近日，人保 财险广东省分公 司农业农村保险 部获评推进"百 千万工程"工作 表现突出集体， 是唯一获此殊荣 的省级保险公 司。 粮食安全是"国 之大者"，人保 财险广东省 ...

人保财险溧水支公司农险专员徐冬冬—— "汗"卫"粮袋子"，让农户吃下"定心丸" 徐冬冬（左）和陈景琦操作无人机在稻田间 验标。 南京日报/紫金山新闻记者 戚珂嘉 摄 □ 南京日报/紫金山新闻记者 曹丽珍 "小陈，东西都带好没？" "冬哥，都带上了。" "好，开工！" 7月4日10时30分左右，"冬哥"和"小陈"驱车来到溧水区洪蓝街道上港社区，在南京恒丰生态农业有限公 司的1000多亩水稻田边停下来。一个拿着承保验标现场标识牌，一个带上无人机，两人先后走下车，开 始了当天第二户农户水稻完全成本保险投保收尾工作。 四五米宽、没有遮阳的稻田旁水泥路上，两人一前一后走着，复盘马上要进行的拍照、验标、签约等细 化工作安排。没多久，豆大的汗珠便不断地从两人的额头上滑落，在刺眼的阳光下，像一颗颗晶莹的珍 珠。 "冬哥"大名徐冬冬，是人保财险溧水支公司的一名农险专员。有着12年农险工作经验的他，负责洪蓝街 道11个社区300多位农户的农险投保工作。从今年6月底开始，他和同事们便一直在全力推进水稻完全成 本保险承保验标工作以及水产养殖保险承保工作。每天雷打不动地跑七八家农户，是他目前的工作常 态。 "目前还是实习期，轮流跟着公 ...

发展多层次农业保险、完善农业保险大灾风险分散机制、推进农业保险精准投保理赔……近年来，监管 部门出台一系列政策，推动农业保险发展。在广袤的乡村大地上，保险业正发挥着越来越重要的作用。 中国证券报记者了解到，保险业通过持续创新产品、优化服务模式、深化科技赋能等措施，引金融服务 入田间地头，提升农业经营主体的抗风险能力，助力乡村全面振兴。 丰富农业保险产品体系 近年来，农业保险作为关键的风险管理工具，覆盖面与保障水平显著提升。从三大主粮作物完全成本保 险和种植收入保险，到地方特色农产品保险，农业保险产品体系日益丰富。 财政部披露的数据显示，全面实施三大粮食作物完全成本保险和种植收入保险政策，有序扩大大豆完全 成本保险和种植收入保险政策范围。全年拨付中央财政农业保险保费补贴547亿元，支持我国农业保险 保费规模1521亿元，为1.47亿户次农户提供风险保障超5万亿元。 水稻、小麦、玉米三大主粮作物承载着我国人口的口粮需求。国寿财险相关负责人表示，2024年，公司 围绕三大主粮作物的保险保障，主动作为，承保三大主粮作物种植面积超1.15亿亩，其中承保完全成本 保险约8688万亩，提供风险保障约805亿元。此外，202 ...

Group 1 - The core viewpoint of the articles highlights the successful implementation of soybean insurance products in Qingdao, which includes "Complete Cost Insurance" and "Planting Income Insurance" for soybean farmers, providing nearly 10,000 yuan in risk coverage for 12 acres of soybeans [1][2] - The central government's policy encourages the expansion of insurance coverage for major crops, including soybeans, with a financial subsidy structure where 90% is covered by the government and 10% by farmers, aimed at stabilizing farmers' income and ensuring food security in Qingdao [1][2] - The Qingdao branch of Taiping Insurance actively promotes agricultural insurance as a tool for rural revitalization and risk management, ensuring that farmers are well-informed about the policies and benefits available to them [2] Group 2 - The successful underwriting of the first soybean insurance policy in Qingdao is seen as a significant step towards enhancing the agricultural insurance landscape and supporting the local agricultural economy [1][2] - Taiping Insurance plans to continue innovating in the agricultural insurance sector, aiming to increase coverage and support the high-quality development of the agricultural industry in Qingdao [2] - The collaboration with local government agencies, including the Qingdao Agricultural and Rural Bureau and the Qingdao Financial Regulatory Bureau, has facilitated the effective implementation of these insurance products [2]

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]

苏州市财政局介绍，下一步，将持续深化农业保险供给侧改革，探索更多"保险+"创新产品，构建 与现代农业发展相适应的多层次保障体系，为苏州市农业现代化贡献更多保险力量。 此外，创新抗旱资金使用，苏州统筹应急资金1530万元，实施叶面肥喷施217.1万亩次、人工增雨6 次，抗旱补水6.34万亩，各承保机构投入防灾减损资金52.23万元，凝聚起"政保协同"的抗旱合力，推动 我市小麦试验田单产逆势提升，张家港市攻关田更创下685.51公斤/亩的江南麦区新纪录。 苏州还致力打造智慧农险平台，创新风险管理模式。构建"天—空—地"一体化智能监测体系，实现 风险管控精准化、理赔服务高效化。比如，运用卫星遥感对小麦实施全周期动态监测，灾害识别准确率 达92%，较传统人工查勘效率提升4倍；创新"无人机+AI"定损模式，在9.73万亩受灾区域应用无人机航 拍，定损精度达95%；构建智慧预警网络，通过微信服务号、短信平台向2.3万农户实时推送气象预警 及减灾减损建议，为农户争取黄金抗灾窗口期。 夏粮生产是保障全年粮食安全的"第一仗"，农业保险在其中发挥着重要作用。据苏州市财政局消 息，今年苏州小麦完全成本保险承保面积达112.8万亩， ...

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].

Core Viewpoint - Hunan province plays a crucial role in ensuring national food security, with a stable grain planting area and production capacity, supported by financial initiatives to enhance agricultural productivity and resilience [1][2][3]. Financial Support for Grain Security - Hunan's financial regulatory body emphasizes the importance of food security, implementing policies to ensure credit supply and insurance coverage across the entire grain production chain, with a loan balance of 153.5 billion yuan in key grain sectors, a 20.7% increase year-on-year [1][2]. - The province's rice insurance amount reached 46.01 billion yuan in 2024, ranking first in the country, demonstrating a strong commitment to safeguarding agricultural investments [1]. Focus on Agricultural Infrastructure - Financial support is directed towards high-standard farmland construction, with a loan balance of 41.36 billion yuan, reflecting a 29% increase, and innovative financing models are being developed to enhance project viability [2]. - The integration of agricultural technology financing is encouraged to improve mechanization levels, with 5.26 billion yuan in loans issued to 11,000 agricultural entities for machinery [2]. Innovation in Financial Services - Hunan's financial institutions are enhancing agricultural insurance services by creating a risk map for major crops and developing new insurance products to cover various agricultural risks [3]. - The establishment of credit rating systems for new agricultural entities aims to improve financing accessibility, with comprehensive credit records being developed for all entities in need [3]. Support for Seed Industry Development - Hunan is recognized as a major seed industry province, with financial services tailored to support seed innovation and development, resulting in 12.43 billion yuan in loans to 42,000 agricultural entities [4]. - The focus is on providing comprehensive services to core seed enterprises and their supply chains, promoting high-quality development in the grain sector [4]. Future Directions - The regulatory body plans to continue enhancing financial support for food security, focusing on innovative product development and collaboration with various departments to ensure effective policy implementation [5]. - Emphasis will be placed on increasing financial resources for agricultural production and ensuring that financial services align with the needs of rural revitalization [5].

南方财经全媒体记者张梦琦 实习生卓俊淑 袁祎广州报道 正值岭南菠萝丰收季，湛江徐闻35万亩"菠萝的海"金浪翻涌，预计本季鲜果产量超70万吨，总产值达 27.2亿元。揭阳惠来、汕尾陆丰等主产区也迎来产销两旺态势。 近日，南方财经全媒体记者从广东省金融支农促进会获悉，邮储银行广东省分行、工商银行广东省分行 等金融机构针对融资难、抗风险能力弱等产业发展瓶颈，创新推出专项信贷产品和保险服务，为种植户 提供从种到卖的全链条金融服务。 另一方面，保险机构还着力构建风险对冲机制，与信贷支持形成协同效应，帮助企业更好地应对市场波 动。例如，人保财险广东省分公司在全国首创了政策性菠萝产值保险产品（政策性菠萝产值险），为湛 江菠萝种植户提供保障，目前已为190多户投保人累计赔付640多万元。 同时，人保财险广东省分公司推出 "商业性菠萝种植完全成本保险"，覆盖自然灾害、病虫害等风险导 致的种苗、肥料及人力成本损失；太保财险湛江中支则将菠萝纳入"政策性岭南水果种植保险"保障范 畴，对因自然灾害、意外事故等造成的菠萝种植损失进行赔付，保障种植户基本收益。 在金融支持取得成效的同时，产业仍存在风险保障覆盖面不足等问题。对此，广东省金融 ...

"生猪养殖的最大风险是猪瘟，必须做好防控。我们利用'川农保'平台为生猪投保，一旦发生生猪死 亡，可以联系保险公司进行线上查勘，并进行线上理赔，报案后最快2个小时内就可以收到赔款。"位于 眉山市仁寿县的仁寿德康农牧有限公司负责人彭科说。 彭科口中的"川农保"是人保财险四川省分公司开发的一款全流程服务系统，接入四川省农业大数据平 台，动态评估农户信用风险，可以大大提高农业保险承保理赔的工作效率。 ■本报记者 田耿文 粮食、生猪和其他重要农产品的稳产保供直接关系到居民的饮食安全和消费水平，是维护社会稳定和人 民福祉的基石。而农业保险在其中扮演了重要角色，为农业生产保驾护航。 作为农业大省，四川是国家唯一批准建设的国家优质商品猪战略保障基地，生猪年出栏量长期位居全国 首位。四川被定位为保障国家重要初级产品供给的战略基地，其"猪粮安天下"的使命尤为突出。 保险业如何护航"猪粮安"？近日，《农村金融时报》记者走进四川进行实地调研和采访报道，探寻农业 保险在这片沃土上的生动实践。 护航生猪稳产保供 在眉山市仁寿县曹家镇共峨村，依山而建、错落有致的高标准农田星罗棋布，一眼望不到边的油菜已接 近成熟，饱满的油菜荚在微风中摇曳。 ...