保险发挥的作用不仅如此。近年来，仔猪养殖保险的服务效率有了很大提升。在舒清铁家的养殖场里，每头 仔猪耳朵上都戴着一个小巧的智能耳标。"这玩意儿可是'黑科技'，跟仔猪的'电子身份证'一样，从出生到出栏的 情况都能记下来。"舒清铁说。 舒清铁口中的"保险"便是溆浦县去年推出的仔猪养殖保险。 记者了解到，溆浦县作为湖南省重要养殖区域，仔猪养殖长期面临疫病风险，加之这两年猪肉价格不稳定， 更是让当地养殖户心里没底。2024年，当地政府联合太平洋产险溆浦支公司创新开展仔猪养殖保险试点工作，通 过"科技+保险+服务"模式，为当地养殖业筑起风险防护网。 "所谓仔猪养殖保险，是以仔猪为保险标的的养殖业保险，主要用于保障仔猪在养殖过程中因疾病、自然灾 害、意外事故等原因导致的死亡损失。该险种是政策性生猪保险的有力补充，旨在通过构建'政府补贴+企业让利 +农户自缴'的三方共担机制，最大程度为养殖农户兜底。"太平洋产险有关负责人告诉记者，仔猪养殖保险属于地 方特色险种，不同地方的生猪养殖保险设定的缴存比例有所差异。以溆浦县仔猪养殖保险试点项目为例，农户自 缴比例在50%以内，大幅降低了参保门槛，激发了养殖户的参保热情。截至目前，该 ...

Core Insights - The article emphasizes the role of finance as a key engine to address the imbalance in urban and rural development, particularly through agricultural insurance that safeguards rural industries and enhances farmers' income [2][3]. Group 1: Financial Innovation and Collaboration - The "government + bank + insurance + guarantee" collaborative model has been established to address the financing difficulties faced by small agricultural entities, creating a comprehensive service system for rural finance [4]. - A "white list" of over 700 agricultural operating entities has been created to facilitate access to financial services, enhancing the precision and effectiveness of policy-driven agricultural finance [4]. Group 2: Social Welfare and Community Support - The first dedicated insurance product for disabled individuals was developed, providing over 110,000 disabled persons in Pudong with convenient claims processing, thereby improving financial service accessibility [5]. - A comprehensive insurance scheme combining liability and accident insurance was launched to support elderly care institutions, addressing the challenges posed by Shanghai's aging population [5]. Group 3: Poverty Alleviation and Rural Development - Tailored insurance solutions have been created for economically disadvantaged farmers, addressing their specific needs and ensuring their financial security [6]. - The collaboration with local financial institutions in Yunnan has led to the introduction of innovative insurance products for livestock farmers, providing over 210 million yuan in risk coverage [6]. Group 4: Future Directions and Technological Integration - The company is focusing on integrating technology into financial services, aiming to evolve from traditional inclusive finance to a model that combines technology and digital finance [6].