Group 1: Industry Development in Xinjiang - Xinjiang has experienced significant industrial growth, with diverse sectors such as agriculture, renewable energy, and textiles becoming key pillars of high-quality development [1] - The insurance industry plays a crucial role in risk management, providing a safety net for workers and injecting strong momentum into regional economic growth [1] Group 2: Agricultural Insurance in Aksu - Aksu's "Ice Sugar Heart" apple production benefits from insurance participation, with over 250,000 acres of quality fruit trees and an annual yield of around 300,000 tons [2] - A pilot project for hail prevention nets in Aksu has been initiated, with a total investment of 16.6 million yuan, where farmers cover 40% of the costs [2] - The insurance company has established a "meteorology + insurance" mechanism to enhance disaster prevention and risk management [3] Group 3: Technological Advancements in Insurance - The establishment of a comprehensive database covering 120 million acres of farmland enhances the precision and efficiency of agricultural insurance [4] - Remote sensing technology has improved investigation efficiency by over 80% and reduced costs by 60%, ensuring accurate claims processing [4] Group 4: Cotton Industry Insurance - The cotton industry in Xinjiang is supported by a comprehensive insurance network, providing 12.789 billion yuan in risk coverage and paying out 307 million yuan in claims [5][8] - A combination of policy-based agricultural insurance and commercial income insurance allows farmers to cover 80% of their premiums through government subsidies [6] Group 5: Green Hydrogen Energy Development - The Xinjiang Kuqa Green Hydrogen Demonstration Project is the largest photovoltaic power-to-green hydrogen project in China, aiming for a production capacity of 20,000 tons of green hydrogen annually [9][10] - The project is expected to reduce carbon dioxide emissions by 485,000 tons per year, equivalent to the carbon absorption of 280,000 trees [10] - Insurance services for the project include comprehensive coverage exceeding 2.2 billion yuan, ensuring risk management throughout the project lifecycle [10][11] Group 6: Support for Renewable Energy - The insurance sector has provided 21.585 billion yuan in risk coverage for energy and new power system construction, supporting the region's green development and carbon reduction goals [11]

中国人寿财险山东省分公司相关负责人表示，公司将持续关注和跟踪天气变化和秋粮收储进度情况，一 方面积极租赁、调度收割机械和烘干设备，帮助农民及时抢收和烘干；另一方面通过科技赋能承保理 赔"双精准"服务，做好受损秋粮作物的查勘和理赔定损工作，争取将赔款尽快兑付到位，为农民秋种购 买化肥、种子和适墒播种提供资金支持。 转自：新华财经 编辑：刘润榕 作为山东省政策性农业保险的主要承保公司，中国人寿财险山东省分公司各级机构今年共承保政策性玉 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。中国人寿财险山东省分公 司充分发挥331个"三农"服务站点的优势，组织农险人员并聘请农技专家深入田间地头开展查勘定损， 同时通过现场指导、发放宣传单等方式普及减损知识和报案流程，提醒农户受损后及时报案、科学施 救，降低不利气象条件对秋粮造成的影响。 目前，中国人寿财险山东省分公司已开通秋粮理赔绿色通道，每天以《工作动态》的形式上报、发布秋 粮受损情况和理赔查勘进展情况；16家地市机构和相关支公司员工采取多种形式帮助农民排水除涝、抢 收秋粮。同时，依托卫星遥感技术做好灾害损失鉴定工作，通过卫星遥感全域扫描识别降雨 ...

阅读时间：11分钟 本文字数：4988字 作者简介：孙蓉，西南财经大学金融学院中国金融研究院保险研究中心教授、博士生导师；万梅雨，西南财经大学金融学院保险与精算系博士研究生，供 职于国家金融监管总局四川监管局；吴舒祥（通讯作者），西南财经大学金融学院保险与精算系博士研究生；阮江，安盟财产保险有限公司总经理。 文章来源：《保险研究》2025年第2期 一、引言 自2007年中央财政正式实施农业保险（以下简称农险）保费补贴政策以来，我国政策性农险规模发展迅速，构成了农业保险市场的主要部分。2023年，全 国政策性农险实现保费收入1263.9亿元，占农险总保费规模的87%，各级财政投入补贴资金951.8亿元，保费补贴比例平均高达75%。政策性农业保险在减 轻农业生产者负担、增强农业风险保障等方面发挥了重要作用。然而，高比例的保费补贴也刺激了部分保险公司、农户、协保人员，单独或合谋通过虚增 保险标的数量，骗取财政补贴；并通过构造虚假赔案，将骗取的财政资金转移至相关利益方，并引致了政策性农险存在严重的虚假投保、虚假理赔合规问 题。2024年中央一号文件明确提出了"推进农业保险精准投保理赔，做到应赔尽赔"的行业发展要求，表 ...

民以食为天，粮食安全是头等大事。据记者了解，自8月底秋粮进入灌浆成熟关键期以来，中国人寿财 险济宁市中心支公司已投入专项资金数十万元组建专业飞防队伍，购置杀虫剂和植物生长调节剂，运用 大疆T50等先进无人机植保设备，在任城区、邹城市、梁山县、曲阜市、鱼台县、金乡县、汶上县等7 个县市区开展"一喷多促"飞防作业。目前已在承保区域完成病虫害防治、叶面肥喷施等飞防面积2.3万 亩，其中玉米1.8万亩，水稻5000余亩，有效防控了玉米螟、稻瘟病等主要病虫害发生，促进了作物生 长与成熟，为秋粮丰收奠定了基础。 中国人寿财险山东省济宁市中心支公司总经理姜修有告诉记者，今年济宁市玉米、水稻等秋粮作物长势 良好。进入秋粮形成和田间管理关键时期以来，高温、旱涝、病虫害等风险因素叠加，对粮食稳产增产 构成挑战。8月26日，山东省农业农村厅、财政厅、国家金融监督管理总局山东监管局、山东省气象局 等部门联合印发《关于做好2025年秋粮生产田管时期农业保险服务工作的通知》，对加强秋粮农业保险 服务提出明确要求。公司切实提高政治站位，迅速响应落实，在济宁市农业农村、财政、金融监管等部 门的具体指导下，通过科技赋能扎实推进政策性农业保险承 ...

Core Viewpoint - The establishment and growth of China People's Insurance Company (CPIC) in Tibet over the past 30 years have significantly contributed to the development of the local insurance industry and provided essential support for the region's economic and social progress [1][2]. Group 1: Historical Development - CPIC's Tibet branch was established in 1987 with an initial investment of 3 million yuan and 14 employees, marking the beginning of insurance services in the region [1]. - From issuing the first cargo transportation insurance policy in Tibet to now offering over 100 insurance products across various sectors, CPIC has expanded its network to 89 branches and 686 service stations by the end of 2024 [2]. Group 2: Social Responsibility and Community Engagement - CPIC has actively engaged in community service, sending 8 teams annually to rural areas since 2011, with a total investment of nearly 100 million yuan [3]. - The company has introduced innovative insurance products, such as the "poverty alleviation income insurance," benefiting 75,000 individuals at risk of falling back into poverty [4]. Group 3: Economic Contributions - CPIC has provided risk coverage of 188 billion yuan for 284 key construction projects, including the Sichuan-Tibet Railway and clean energy development [5]. - The company has also supported the agricultural sector with 564 billion yuan in risk coverage, directly compensating 1.36 billion yuan to 694,000 farming households [6]. Group 4: Disaster Response and Emergency Support - Following the 6.8 magnitude earthquake in Dingri County in January 2025, CPIC quickly mobilized resources, providing 230,000 yuan worth of emergency supplies and insurance coverage of 190 million yuan for disaster recovery efforts [7]. - The company has demonstrated a rapid response capability, completing insurance claims for the earthquake within 10 days, totaling 173 million yuan in payouts [6].

Group 1 - The Beijing Municipal Agricultural and Rural Bureau has initiated emergency response procedures due to the impact of rainfall on agricultural production [3][4] - Agricultural experts have been dispatched to guide recovery efforts in areas such as Miyun, with a focus on timely distribution of disaster relief seeds and drainage work [3][4] - A green channel for agricultural insurance claims has been established, allowing for expedited processing and compensation within 24 hours of reporting [3][4] Group 2 - The city has prepared 112,500 kilograms of disaster relief seeds and over 50,000 pieces of animal epidemic prevention materials, along with 1,266 sets of drainage equipment [3][4] - Farmers are advised to monitor weather alerts closely and take necessary precautions against potential geological disasters and flooding [3][4] - Policy-based agricultural insurance providers have activated emergency response mechanisms, simplifying the claims process for quick compensation [4]

Core Viewpoint - The company has rapidly initiated emergency response measures and claims services following extreme weather events in Inner Mongolia, demonstrating a commitment to customer service and disaster relief [1][2]. Group 1: Emergency Response Measures - The company activated disaster emergency response protocols immediately after the severe weather, ensuring a quick and organized claims service [1]. - A green channel for claims related to major natural disasters was established, simplifying the claims process for affected customers [1]. - The company provided multiple online reporting channels, including the China Insurance App and WeChat, to facilitate claims [1]. Group 2: Financial Assistance and Claims Processing - As of July 16, the company has paid out 1 million yuan in advance disaster compensation to severely affected watermelon farmers in Bayannur [2]. - The company is actively coordinating with local governments to assess damage and expedite claims payments to affected farmers [2]. - The company aims to ensure timely and comprehensive compensation, reinforcing its role as an economic stabilizer in the face of disasters [2].

Group 1 - The core viewpoint of the articles emphasizes the integration of party building and business development to promote rural revitalization through a collaborative initiative between Guoren Insurance Shandong Branch and the Nanjiao Town Party Committee [1][2] - The event focused on the deep integration of "party building and business," exploring high-quality development driven by effective party leadership [1] - The initiative included a field study of Han Jia Wo Village, recognized as a "National Civilized Village and Town," showcasing innovative practices in rural governance empowered by distinctive party building [1] Group 2 - Guoren Insurance Shandong Branch plans to leverage its industry advantages to enhance its "Protecting Life, Guoren Responsibility" party building brand, focusing on risk protection needs in rural specialty industries [2] - The collaboration aims to establish a long-term cooperative mechanism characterized by resource sharing, complementary advantages, and mutual development [2] - Future efforts will focus on transforming organizational vitality into development momentum, effectively converting political and organizational advantages into practical benefits for local economies and rural revitalization [2]

Core Viewpoint - Beijing has revised its policy agricultural insurance terms for 2025, enhancing coverage, optimizing rates, and strengthening supervision to support the agricultural insurance sector in the city [1][7]. Group 1: Insurance Coverage - The revised terms introduce a total of 48 insurance types, including 30 for crop production (grains, vegetables, fruits), 13 for livestock (dairy cows, sows, aquaculture, poultry, beekeeping), and 4 for agricultural property (greenhouses, fruit trees, machinery) [2][4]. - The insurance covers risks such as hail, strong winds, heavy rain, severe drought, animal diseases, and accidents [2]. Group 2: Financial Impact - From 2007 to 2024, the total premium income from policy agricultural insurance in Beijing reached 9.34 billion yuan, with total insurance coverage amounting to 210.41 billion yuan [2]. - The number of insured entities reached 2.399 million, with total compensation payments of 7.72 billion yuan benefiting 1.842 million households, resulting in a simple compensation rate of 82.7% [2]. Group 3: New Insurance Options - The revision includes new insurance options for staple crops like wheat, corn, rice, and soybeans, allowing farmers to choose between traditional crop insurance, full cost insurance, and income insurance [3]. - For example, the new corn full cost insurance offers a coverage of 950 yuan per mu, doubling the previous coverage of 550 yuan for traditional corn planting insurance [3]. Group 4: Claims Process Improvements - The revised terms clarify claims requirements, enhancing the accuracy of certain weather index insurances and establishing a 24-hour response time for claims [5]. - The threshold for compensation for vegetable frost damage has been adjusted from a 50% loss requirement to a calculation based on actual losses [5]. Group 5: Accessibility and Support - All 13 agricultural districts in Beijing will benefit from standardized and unified insurance policies, allowing farmers to choose from basic, full cost, or income insurance based on their needs [6]. - The city has selected six insurance companies to provide policy agricultural insurance, emphasizing rapid response and claims processing in the event of disasters [6].