（原标题："风王"桦加沙来袭，珠海海洋牧场"科技+金融"迎战） 南方财经记者冯玉怡 珠海报道 "风王"桦加沙对广东的海洋牧场是一次考验。"桦加沙"预计24日中午到晚上在广东沿海登陆，风力可达 13至15级，阵风更强。受其影响，广东沿海和南海北部的部分海域风力将达到10至13级，阵风14至15 级。强风和巨浪可能导致养殖平台设施受损、网箱倾覆、养殖品种逃逸或死亡，直接影响养殖产值，台 风过后的水质变化、养殖环境恶化等问题也可能导致养殖周期延长，经济效益下降。 广东是我国台风登陆总数最多的省份，也是深远海养殖平台最多的省份之一。这些深远海养殖平台如何 屹立于风浪之中？广东又如何应对台风可能为养殖平台和养殖户带来的经济损失？多位受访专家向南方 财经记者表示，广东深远海养殖平台的防台技术呈现出结构设计与压载策略结合，确保平台在强风浪中 具备自稳能力。同时，信息化与智能监控系统确保远程实时掌握网箱及环境状态，使防台措施科学、可 执行且高效。此外，为应对台风挑战，广东省及沿海城市已出台一系列政策和机制，保障海洋养殖企业 在重大风险灾害面前的生存与发展。 随着台风"桦加沙"的逼近，广东海洋牧场已在台风来临前启动全面启动防台 ...

Group 1 - The insurance industry in Guangdong and Hainan is actively responding to the impact of Typhoon "Butterfly" by expediting the processing of marine ranch compensation cases to support affected aquaculture operators [1] - China People's Property Insurance Company in Zhanjiang initiated a rapid pre-compensation mechanism, paying out 1.43 million yuan in comprehensive insurance claims to aquaculture operators before the typhoon made landfall [1] - The rapid compensation is attributed to the "Yue Nong Bao" AI digital comprehensive service platform and the establishment of a "Marine Ranch Service Station," which enhances disaster reduction systems in Zhanjiang [1] Group 2 - The insurance industry is expanding marine aquaculture insurance products to address challenges such as difficult loss assessment and slow claims processing, with new products planned for 2024 [2] - China Life Property Insurance is developing various insurance products, including income insurance for golden pomfret and high-temperature index insurance for sea cucumbers, covering a wide range of marine products [2] - The introduction of technologies like GIS and big data analysis is aimed at improving monitoring and disaster reduction efficiency in marine ranches [2] Group 3 - To address high investment costs and financing difficulties in marine ranching, China Life Property Insurance is optimizing the "insurance + credit" service model in collaboration with Guangfa Bank [3] - A tailored service plan was created for a deep-sea salmon farming project, providing 85.73 million yuan in risk coverage and facilitating a loan credit of 50 million yuan [3] - The insurance industry aims to enhance risk management tools and financial services to support the sustainable development of marine ranching and contribute to the "blue granary" concept [3]

Group 1 - The insurance industry in Guangdong has activated emergency response mechanisms to address the impact of Typhoon "Butterfly," ensuring the safety of people's lives and property [1][4] - A total of 560 million warning messages were sent to 310,000 customers, with over 6,400 enterprises receiving disaster weather alerts [4] - The rapid compensation mechanism was initiated, with the first payout of 1.43 million yuan for marine aquaculture insurance being processed before the typhoon made landfall [2][3] Group 2 - As of June 15, over 1,400 claims have been reported to Ping An Property & Casualty Insurance, with estimated compensation exceeding 8.7 million yuan [3] - China Life Property & Casualty Insurance reported 263 claims related to the typhoon, with estimated losses of 523.55 million yuan and 32.52 million yuan already paid out [3] - The insurance industry has implemented a mutual recognition mechanism for major disasters, facilitating collaborative damage assessment and emergency response across different companies [4]

Group 1 - Typhoon "Butterfly" made landfall in Hainan on June 13, causing severe damage in Hainan, Guangdong, and Guangxi, including landslides and mudslides [1] - The insurance industries in Guangdong, Hainan, and Guangxi quickly activated emergency plans, utilizing technology to reduce risks and opening green channels for claims [3][4] - Insurance companies are shifting from traditional "post-disaster compensation" to "pre-disaster prevention," establishing a comprehensive protection system from warning to response and loss reduction [5] Group 2 - Technology such as AI, drones, and IoT is being widely applied in the insurance sector to enhance risk identification and loss reduction efficiency [4][5] - The rapid claims process has been highlighted, with instances of claims being paid out even before the storm subsided [6][7] - Specific claims examples include a payment of 1.43 million yuan to aquaculture farmers and 24,200 yuan for mango damage in Hainan [7][8] Group 3 - Timely reporting of claims is crucial for determining the relationship between the disaster and the insured losses, affecting the insurer's liability [8] - Agricultural insurance products that cover typhoon risks may not require immediate reporting, as insurers can assess claims based on investment information [8]