7月的藏东大地，油绿的青稞田在阳光下泛起波浪。西藏昌都市洛隆县俄西乡的农户扎西平措站在 田埂上，望着谷穗饱满的庄稼，脸上露出了踏实的神情。"今年雨水多，以前总担心收成不够本，现在 有了保险保障，心里有底了！" 扎西平措口中的"保险保障"，正是中国人寿财险西藏分公司在昌都洛隆县、边坝县等地推广的完全 成本保险。 作为西藏农业的支柱产业，青稞、玉米、小麦等主粮作物长期面临自然灾害和市场波动的双重风 险。过去，传统农业保险仅覆盖种子、化肥等直接物化成本，保障额度偏低。以青稞为例，每亩保额仅 380元，农户遭遇灾害后获得的赔款难以弥补实际损失。 完全成本保险的落地，正深刻改变着西藏农业生产方式。随着保险保障水平的大幅提升，越来越多 的农牧民开始扩大种植面积、选用优质品种、增加农业投入。在昌都、山南等地的田间地头，机械化播 种、科学施肥等现代农业技术正加速普及；合作社、家庭农场等新型经营模式如雨后春笋般涌现。这种 从"被动防灾"到"主动经营"的转变，不仅提高了土地产出效益，更推动西藏农业向规模化、现代化方向 稳步迈进。保险经济减震器和社会稳定器功能，正在雪域高原激发出前所未有的农业生产活力。 2025年，中国人寿财险西 ...

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]

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].