要持续在"精准"二字上下功夫，因地制宜创新地方优势特色农产品保险 陕西延安苹果种植已有80多年历史，苹果产业成为当地覆盖面最广、从业人数最多、联农带农效果最佳 的乡村特色产业。在吴起县等地采访时，不少果农说起，今年种苹果有了"新"保险，这让他们心里更有 底。 农户说的"新"保险，是今年吴起、洛川两县试点的苹果花期气象指数保险，为超2万亩果园增添了风险 保障。这个保险有啥好？农户说，苹果花期撞上倒春寒，要是花受了冻，不只当年歉收，养护不及时， 来年还受影响。传统苹果保险多在收获季测产理赔，而"新"保险根据花期最低温度及时理赔，农户能用 这笔钱尽快采取补救措施。不只如此，指数保险查勘定损的资金人力成本也大大降低，保险公司得以加 大投入帮果农防灾减损，护苗增产更有谱。 粮食安全是"国之大者"。保障农业增产、农民增收，农业保险功能价值日益凸显。"十五五"规划建议提 出，"健全财政优先保障、金融重点倾斜、社会积极参与的多元投入格局，确保乡村振兴投入力度不断 增强。保护和调动农民务农种粮积极性，强化价格、补贴、保险等政策支持和协同。"如何进一步织密 织牢农险"保障网"、不断提升服务效能，成为加快农业农村现代化，扎实推进乡 ...

农险理赔及不及时、能否精确地弥补实际损失，事关投保农户获得感，也是评判农险服务水平的重要标 尺。促进农业保险精细化、科学化发展，实现精准投保理赔，重要性不言而喻。近年来，不少地方和保 险机构通过加大技术应用力度、强化部门协作与数据共享等方式，有效提升了农险承保、赔付质效。未 来，农险服务要持续在"精准"二字上下功夫，不断探索人工智能等新技术赋能农险服务各环节。同时， 相关部门应加快建立完善农险基础信息数据共享机制，夯实精准投保理赔基础，推动避免平均赔付、协 议赔付、粗糙定损等情况。 特色产品能不能保、服务是否落到农户心坎儿上，是衡量农险普惠水平的重要内容。苹果花期气象指数 保险正是结合地方特色产业、更好满足生产需要，受到农户欢迎。近年来，这样的故事在各地不断上 演：雪域高原，牦牛有了"意外险"；海上牧场，风浪越大渔民获赔越多……因地制宜创新地方优势特色 农产品保险，成为推动农险服务扩面提质的重要经验。下一步，保险行业还应深入研究各类涉农经营主 体需求，开发推广定制化财产险、责任险等产品，更好提升农业农村生产经营、技术创新等方面的风险 防范能力，助力乡村产业发展。 值得一提的是，当极端天气、严重灾害发生时，农业 ...

"全链"保障提升服务质效 农业保险作为我国现代农业风险管理体系和农村综合金融的重要组成部分，近年来在保障国家粮食 安全、推进现代农业发展、促进乡村振兴、改进农村社会治理和保障农民收入等方面发挥着越来越重要 的作用。数据显示，"十四五"期间，农业保险已为8亿户次农户提供保险保障，三大主粮完全成本和种 植收入保险覆盖全国，亩均保额提升72%。 今年以来，农业保险"扩面、增品、提质"步伐进一步加快，逐步构建起覆盖农业全产业链的多元化 产品体系，除了常见的完全成本保险和种植收入保险外，还有天气指数保险、价格保险、高标准农田保 险、耕地地力指数保险等。 "作为农业的'芯片'，种子安全关乎国家粮食大局，而制种环节风险高、保障难，特别是面对频发 的异常天气，传统农险产品往往难以覆盖此类技术性风险。"太保产险有关负责人对《金融时报》记者 表示，基于此，太保产险海南分公司紧扣海南作为国家南繁育制种基地的战略定位，聚焦产业实际痛 点，创新推出以"水稻结实率"为核心赔付指标的制种保险产品。此次赔付的75.79万元，正是制种水稻 在扬花授粉期因受异常天气影响，结实率未达到保险合同约定的标准，触发了赔付条件，有效弥补了制 种农户因自然 ...

Financial Support for Agriculture - As of the end of August, the loan balance in key agricultural sectors increased by 17.09% year-on-year, significantly higher than the overall growth of 6.8% in RMB loans [1] - Financial support for agriculture includes various tailored loan products such as "Smart Grain Warehouse Loan," "Marine Ranch Loan," and "Fruit Farmer Loan," with over half of the agricultural loans requiring no collateral or guarantees [3][5] Insurance Developments - Comprehensive insurance products for major crops like rice, wheat, and corn are now available nationwide, providing better coverage compared to previous years [5] - The cost of insurance has decreased, with farmers able to secure around 1000 yuan in coverage for a premium of just over 10 yuan, thanks to substantial government subsidies [5][7] Impact on Farmers - Farmers have reported easier access to loans with lower interest rates and better disaster protection, leading to increased confidence in agricultural activities [9]

Financial Support for Agriculture - As of the end of August, the loan balance in key agricultural sectors increased by 17.09% year-on-year, significantly higher than the overall growth of 6.8% in RMB loans [4] - Farmers previously faced challenges in obtaining loans due to lack of collateral, but now over half of the operating loans do not require collateral or guarantees, relying solely on credit [7] - Various tailored loan products have emerged, including loans for specific agricultural activities such as "Smart Grain Warehouse Loan," "Marine Ranch Loan," and "Apple Flow E-Loan" [10] Insurance Developments - Agricultural insurance has improved significantly, with comprehensive cost insurance and income insurance for major crops like rice, wheat, and corn now available nationwide [12] - The cost of insurance has become more affordable, with farmers able to secure around 1000 yuan in coverage for a premium of about 10 yuan, largely subsidized by the government [12] - Specialty agricultural insurance products have also been developed to cover various types of farming, ensuring that farmers are protected based on what they grow [15] Policy and Economic Context - The current year is critical for consolidating poverty alleviation achievements, with stable summer grain production and increasing early rice yields [18] - The combination of supportive policies, financial empowerment, and effective insurance has created a robust safety net for farmers, enhancing their confidence in agricultural production [18]

Core Insights - The insurance industry has significantly enhanced its social security role during the "14th Five-Year Plan" period, with total claims reaching 9 trillion yuan, a 61.7% increase compared to the "13th Five-Year Plan" period [1] - The insurance sector has focused on increasing supply, optimizing structure, and addressing shortcomings, summarized as "one increase, one optimization, one supplementation" [2][3] Group 1: Performance and Growth - The insurance industry has provided risk coverage for 800 million agricultural households through agricultural insurance [1] - Commercial pension and health insurance have accumulated reserves of 11 trillion yuan, with financial services continuously expanding [1] - Motor vehicle insurance has covered over 1.6 billion vehicles, a 40% increase from the previous five-year period [2] - Export credit insurance has provided risk coverage of 4.4 trillion USD, a 52% increase compared to the "13th Five-Year Plan" [2] Group 2: Structural Optimization - Insurance funds have invested over 5.4 trillion yuan in stocks and equity funds, an 85% increase from the end of the "13th Five-Year Plan" [2] - The insurance sector has provided over 10 trillion yuan in risk coverage for technology insurance, supporting 3,600 innovative projects [3] - The average insurance amount for major grain crops has increased by 72% during the "14th Five-Year Plan" [3] Group 3: Financial Support and Reforms - The insurance industry has actively participated in financial reforms, including long-term investment initiatives and support for technology enterprises [3][5] - By the second quarter of 2025, the balance of insurance company funds reached 36.23 trillion yuan, a year-on-year increase of 17.39% [5] - The insurance sector has implemented cost optimization measures, resulting in a reduction of 350 billion yuan in costs for life insurance companies since 2024 [6]

Core Insights - The insurance industry has achieved significant milestones during the "14th Five-Year Plan" period, including a reduction in comprehensive cost ratios to the lowest level in nearly a decade and substantial growth in risk coverage provided by technology insurance [1][3]. Group 1: Insurance Industry Performance - The insurance sector has cumulatively paid out 9 trillion yuan in claims during the "14th Five-Year Plan," marking a 61.7% increase compared to the "13th Five-Year Plan" [3]. - Agricultural insurance has provided risk coverage for 800 million farming households, while commercial health and pension insurance have accumulated reserves of 11 trillion yuan [3]. - The comprehensive cost ratio for property insurance companies has reached its lowest level in nearly ten years, with expense ratios hitting a 20-year low [7]. Group 2: Risk Coverage and Support - The insurance industry has played a crucial role in disaster response, with over 150 billion yuan paid out for natural disasters such as floods and earthquakes during the "14th Five-Year Plan" [4]. - The introduction of comprehensive catastrophe insurance trials in over 20 provinces has strengthened the disaster prevention and mitigation framework [4]. - The coverage of major grain insurance and planting income insurance has been expanded nationwide, enhancing risk protection for agricultural sectors [4]. Group 3: Investment and Market Stability - Insurance funds have invested over 5.4 trillion yuan in stocks and equity funds, representing an 85% increase from the end of the "13th Five-Year Plan" [5]. - The insurance sector has provided 170 trillion yuan in new funds to the real economy through various investment channels, including credit and bonds [5]. - The scale of long-term stock investment trials for insurance funds has reached 222 billion yuan, indicating a growing presence in the capital market [6]. Group 4: Future Trends and Developments - The trend of reducing costs and increasing efficiency in the insurance industry is expected to continue, with significant cost reductions already achieved [7]. - The implementation of "reporting and operation integration" in non-auto insurance is anticipated to support the industry's transition to high-quality development [7]. - Policies encouraging insurance funds to increase equity investments are expected to stabilize the capital market and promote rational investment practices [7].

Core Viewpoint - The article discusses the impact of recent heavy rainfall on agriculture and the role of insurance in providing protection and support to affected farmers, highlighting the current compensation situation and suggestions for improving insurance services. Group 1: Compensation Situation - Financial regulatory authorities are guiding insurance companies to conduct timely assessments and optimize claims processes during the critical flood prevention period, ensuring prompt and reasonable compensation [2][3] - In Inner Mongolia, insurance coverage for major crops has increased from 300-600 yuan per mu to 900-1200 yuan per mu, with insurance payouts reaching 389 million yuan for 147,300 affected households [2] - In Beijing, agricultural insurance coverage reached 820 million yuan from January to May, with 7,085 claims reported due to heavy rainfall, of which 191 have been compensated [2] Group 2: Insurance Products for Farmers - The implementation plan for the high-quality development of inclusive finance in the banking and insurance sectors encourages the development of various agricultural insurance products, including farmland, housing, and machinery insurance [4] - Central government continues to provide premium subsidies for major agricultural products, while local governments are introducing region-specific insurance products, including weather index and price index insurance [4] - New insurance products are being developed for agricultural machinery, including flexible insurance terms and coverage for various types of agricultural equipment [5] Group 3: Challenges and Recommendations - Agricultural insurance has positively impacted farmers' income security, but issues such as delayed compensation and average payouts persist [6] - The application of new technologies like remote sensing and big data in agricultural insurance is growing, but there is a lack of standards and norms, affecting the accuracy of damage assessments [7] - Recommendations include improving data sharing among relevant departments and establishing clear boundaries for government intervention in insurance operations to ensure sustainable development of agricultural insurance [8]

Core Viewpoint - Recent heavy rainfall has caused significant damage to farmland and agricultural equipment, prompting discussions on how insurance can provide support to affected farmers and improve claims processing efficiency [1] Group 1: Current Compensation Situation - Financial regulatory authorities are guiding insurance companies to conduct timely assessments and optimize claims processes during the critical flood prevention period, ensuring quick and reasonable compensation [2] - In Inner Mongolia, insurance coverage for major crops has been expanded, with compensation amounts increased from 300-600 yuan per mu to 900-1200 yuan per mu, resulting in 389 million yuan paid to 147,300 farmers [2] - In Beijing, agricultural insurance coverage reached 820 million yuan from January to May, with 7,085 claims reported due to heavy rainfall, of which 191 have been compensated [2] Group 2: Insurance Products for Farmers - The implementation plan for high-quality development in the banking and insurance sectors emphasizes the development of localized agricultural insurance products, including farmland, housing, and machinery insurance [4] - Central government continues to subsidize insurance premiums for major agricultural products, while local governments are introducing region-specific insurance products [4] - Various insurance products are being developed, including agricultural machinery insurance and specialized insurance for farm employers and short-term personal accident insurance for farmers [5] Group 3: Challenges in Agricultural Insurance - Agricultural insurance has positively impacted farmers' income security, but issues such as delayed payments and average compensation persist [6] - The application of new technologies like remote sensing and big data in agricultural insurance is increasing, but there is a lack of standards leading to doubts about the accuracy of damage assessments [6][7] - Regulatory bodies are encouraged to establish data-sharing mechanisms to enhance the precision and efficiency of claims processing, while ensuring that government interventions do not disrupt the insurance ecosystem [7]

Core Viewpoint - The China Banking and Insurance Regulatory Commission (CBIRC) has issued a notice to enhance the role of the insurance industry in supporting rural revitalization, focusing on tailored insurance products for urban migrant farmers and improving agricultural insurance coverage [1][2]. Group 1: Insurance Industry's Role in Rural Revitalization - The notice emphasizes the need for insurance companies to develop specialized products that cater to the financial needs of urban migrant farmers and enhance agricultural insurance levels, including full cost insurance and income insurance for major grain-producing areas [1]. - The insurance sector has made significant contributions to poverty alleviation and food security, with agricultural insurance providing risk coverage for 178 million farming households, amounting to 4.72 trillion yuan by the end of 2021 [1]. - The supportive policies from the central and local governments have played a crucial role in promoting the development of rural insurance services, leading to a more regulated and healthy growth environment [1]. Group 2: Future Directions and Challenges - The CBIRC's recent notice outlines specific service goals and tasks for the insurance industry in rural revitalization, including exploring new insurance products for local agricultural specialties and fully covering costs for sugarcane and income insurance [2]. - The notice calls for improvements in insurance underwriting and claims services, adhering to principles of comprehensive coverage and prompt claims processing, indicating that the insurance sector will face new opportunities and challenges as rural revitalization progresses [2]. - The central government's recent directives highlight the importance of establishing an insurance guarantee system that aligns with the new developments in rural revitalization, prompting insurance institutions to prepare for these changes [2].