"曹经理，猪饲料又涨价了，咱们养猪难啊！"我第一次见到养殖户老陈，他正蹲在自家漏雨的猪舍墙 边，手里捏着半截湿漉漉的烟，烟头的红光在雨帘里忽明忽暗。账本被他塞进怀里，用塑料袋裹了一层 又一层，仿佛那是比命根子还金贵的东西。 我蹲下身，用伞替他挡雨："陈大爷，我们这次来，就是想用'保险+期货'给乡亲们的猪饲料成本价格兜 个底。""'保险+期货'？"老陈操着川北口音的四川话对我说，"听不懂你在说啥子。" 巴山夜雨，总是来得又急又密。2020年5月，天空飘着雨，我在四川省巴中市去往通江县的高速公路 上，车一次次钻入隧道，忽明忽暗的隧道灯光，就像是散落在大巴山里零星的灯火——那是老陈家的猪 舍。灯光昏黄，像一盏随时会被山风吹灭的油灯，也像老陈心里那团"猪饲料价格噌噌涨"的焦虑。 立夏·雨脚如麻，心事如麻 下午3点，最后一笔对冲成交，交易员靠着椅背抻了抻胳膊。西晒的阳光微微透过窗帘洒到桌面，像替 我松了口气。自身对冲模型优化了多次，市场的流动性也够优秀，完美转移了价格风险。 随我一起调研的保险公司许经理用四川话帮我解释："这个项目保费不用你们掏，期货公司和银行帮你 们付保费咯。你们只管安心养猪，猪饲料价格涨了，保险赔； ...

2025年秋冬时节，辽东半岛南端的田野上已覆上一层薄霜。中国太平洋财产保险股份有限公司（简称太 平洋产险）大连分公司三农经营管理中心负责人刘雁站在玉米地边，向当地农户了解当年玉米产量和受 灾情况。这是她现在每年必做的"功课"——不是坐在办公室看报表，而是走进田间地头，"看一看、聊 一聊"。这位1995年参加工作、原本从事会计工作的城市女性，从未想过自己会与农业、与农户、与"保 险+期货"这项创新金融工具结下深厚的缘分。 2021年的岗位调整，是她人生的转折点。从后台走向前台，从城市走向农村，从熟悉的传统成本保险走 向新兴的价格风险保障——刘雁的转型，恰似中国农业风险管理模式的深刻变革。而她所见证并参与的 大商所"保险+期货"项目，如今已成为护航万千农户抵御市场波动的重要保障。 从账本到田野： 一位城市女性的"三农"启蒙 刘雁坦言，自己从小在城市长大，对农村几乎毫无概念。2021年之前，她的职业生涯始终围绕财务会计 展开。虽然也对农业保险有一定的了解，但是具体到农业生产和业务细节，刘雁就成了"门外汉"。"那 时候，我连玉米几月播种、几月收割都不清楚。"她笑着说。 但命运的齿轮悄然转动。随着公司部门调整的完成，同 ...

Core Insights - The article highlights the successful implementation of the "insurance + futures" project in Shaanxi province, which has significantly improved the financial stability of local farmers and enhanced their risk management capabilities [1][8]. Group 1: Project Implementation - The "insurance + futures" model was introduced in Shaanxi to provide financial security to farmers, particularly in the pig farming sector, where price volatility poses significant risks [4][6]. - In 2023, the first village-level "insurance + futures" project was launched in Shiyukou Village, covering 1,200 pigs and resulting in a compensation payout of 186,800 yuan, which accounted for 54% of the village's collective annual income [6][8]. Group 2: Community Engagement - The project faced initial skepticism from villagers, who preferred direct financial aid over insurance solutions. Efforts were made to educate the community about the benefits of the "insurance + futures" model [5][6]. - Community activities, such as cultural events and educational support for students, were organized to build trust and rapport with villagers, facilitating the acceptance of financial tools [3][4]. Group 3: Financial Growth and Support - The scale of the "insurance + futures" project in Shaanxi has rapidly expanded, with insurance premiums exceeding 200 million yuan in 2024, covering over 100,000 pigs and 200,000 acres of farmland [8][10]. - The provincial government has increased financial support for the project, with annual subsidies growing to enhance participation among small farmers [8][10]. Group 4: Future Prospects - The success of the "insurance + futures" initiative in Shiyukou Village has sparked interest from neighboring villages, indicating a potential for broader adoption of this financial model across the region [7][10]. - The ongoing efforts aim to further integrate financial innovations into rural development, ensuring that more farmers benefit from these initiatives [10][11].