种植收入保险

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以金融“活水”滋润“三农”沃土 浇灌出乡村振兴新气象
Yang Shi Wang· 2025-09-27 01:48
过去,农民想贷款却没什么抵押物,银行一看就摇头。十几年前,农民贷个几万块,一年的利息高的都得到百分之八、九。而今年,普惠 型贷款只有百分之四点几,更让人惊喜的是,超过一半的农户经营性贷款压根儿不用抵押、不用担保,就靠信用! 不光贷款便宜了、好贷了,甚至还有很多量身打造的专属贷款! 央视网消息:稻穗低垂,瓜果飘香,我国各地已陆续进入秋收时节。随着乡村振兴的推进,政策对农业、农村的支持更加完善,各项资金 的支持也越来越多。现在金融对"三农"的支持都有哪些?来看总台央视记者王雷——财经老王带来的报道。 秋天到了,咱们国家又迎来了丰收! 老王是跑金融的记者,平时跟银行、保险打交道多,今天就从金融角度聊聊田间地头的事儿。 先看一组硬数据:截至8月底,全国粮食重点领域贷款余额同比增长了17.09%。而同期,全国人民币贷款余额增长6.8%。也就是说,种 地、买化肥、修农田、收粮食这些事儿,得到的金融支持力度远远高于整体贷款。 不光是主粮,养鸡、养牛、种花椒、种大蒜,各地特色农业保险也跟上了。你种什么,它就保什么。 今年是"十四五"收官之年,也是巩固脱贫成果的关键一年。夏粮稳了,早稻增了,秋粮眼看就要颗粒归仓。这不是天上掉下 ...
手里有粮 心里不慌,种粮有钱 丰收有底
Yang Shi Xin Wen· 2025-09-27 00:17
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]
金融监管总局李云泽:“十四五”期间保险业内生发展动力持续增强
Zhong Guo Jing Ying Bao· 2025-09-24 04:24
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]
“十四五”保险业成绩单出炉!保障扩面、赔付提速、成本压降、入市猛增
Sou Hu Cai Jing· 2025-09-22 15:09
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].
信息服务台丨防灾减损,农户能用这些保险
Ren Min Ri Bao· 2025-08-15 03:49
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]
防灾减损 农户能用这些保险(信息服务台)
Ren Min Ri Bao· 2025-08-14 21:50
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]
保险业在乡村振兴中大有可为
Xin Hua Wang· 2025-08-12 06:28
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].
引金融服务入田间地头 保险业助乡村全面振兴
Zhong Guo Zheng Quan Bao· 2025-06-25 20:36
Core Insights - The insurance industry is increasingly playing a vital role in rural revitalization through innovative products, optimized service models, and technology empowerment [1][6][7] Group 1: Agricultural Insurance Development - The agricultural insurance product system has significantly expanded, covering major crops and local specialty products, with a total insurance premium scale of 152.1 billion yuan, providing risk protection exceeding 5 trillion yuan for 147 million households [2] - In 2024, China Life Property & Casualty Insurance plans to cover over 11.5 million acres of major grain crops, providing risk protection of approximately 80.5 billion yuan [2] Group 2: Innovative Insurance Products - Insurance companies are launching specialized insurance products based on local resources, such as pomegranate planting insurance in Shandong and apple industry chain insurance in Gansu [3] Group 3: "Insurance+" Service Model - The insurance industry is evolving from simple risk compensation to a comprehensive service model that supports rural industry development, exemplified by the "breeding insurance + live collateral loan" model in Shanxi [4] Group 4: Personal Risk Protection - The insurance sector is also providing personal risk protection for local residents, with China Life offering over 28 billion yuan in personal risk coverage for nearly 490,000 people in targeted poverty alleviation areas in 2024 [5] Group 5: Technology Empowerment - The application of technologies such as big data and satellite remote sensing is reshaping agricultural insurance services, enhancing the precision and efficiency of underwriting and claims [6][7] - China Life Property & Casualty Insurance is promoting disaster monitoring and early warning systems to improve risk management capabilities [7]
织密农业减灾防灾“金融安全网”
Jin Rong Shi Bao· 2025-06-19 04:53
Core Insights - The article discusses the impact of natural disasters on apple production and the varying responses of different agricultural entities to mitigate risks associated with these disasters [1][2] - It highlights the role of financial institutions in supporting agricultural disaster prevention and recovery efforts, emphasizing the need for tailored financial services [2][5] - The growth of agricultural insurance in China is noted, with a significant increase in premium scale and coverage, indicating a more robust risk management framework [3][4] Group 1: Agricultural Production and Risks - Apple production in certain regions typically flowers in mid-March and is harvested by October, facing risks from natural disasters such as hail and frost [1] - Different agricultural entities have varying strategies for risk management, influenced by their financial capabilities and experiences with past disasters [2] Group 2: Financial Support and Agricultural Insurance - In 2024, China's agricultural insurance premium scale reached 150 billion yuan, covering 147 million households and providing risk protection exceeding 5 trillion yuan [3] - The introduction of innovative insurance products, such as cost insurance and income insurance, has contributed to a diversified agricultural insurance system [3][4] Group 3: Policy and Regulatory Framework - In 2015, regulatory bodies established unified guidelines for agricultural insurance to mitigate adverse selection and enhance the governance of natural disaster risks [4] - The development of agricultural catastrophe insurance has gained traction, with pilot programs in eight provinces, indicating a growing recognition of its importance [4][9] Group 4: Financial Mechanisms and Innovations - Banks have developed rapid response mechanisms for disaster recovery, simplifying loan processes to support agricultural entities post-disaster [5] - The emergence of weather derivatives as a financial product aims to assist in risk management for agriculture, utilizing authoritative meteorological data [6] Group 5: Integration of Resources and Data Sharing - The need for better integration of agricultural disaster resources and financial services is emphasized, with a focus on overcoming information silos among various sectors [10] - Encouraging data sharing among banks and insurance companies can enhance the efficiency of financial services provided to agricultural entities [10]
日照市全面推广农业保险新政策,助力乡村振兴
Qi Lu Wan Bao Wang· 2025-05-29 07:28
Core Viewpoint - The new agricultural insurance policy in Rizhao City aims to enhance agricultural risk management, protect farmers' interests, and promote rural revitalization, responding positively to the central government's directives on expanding insurance coverage [1][2]. Group 1: Insurance Policy Details - The new policy includes six types of insurance, covering complete cost insurance for wheat, corn, rice, and soybeans, as well as income insurance for corn and soybeans [1]. - The coverage amounts for complete cost insurance are set at 1,000 yuan per mu for wheat, 950 yuan for corn, 1,150 yuan for rice, and 700 yuan for soybeans, with premiums of 30 yuan, 40 yuan, 46 yuan, and 35 yuan per mu respectively [1]. - The income insurance for corn and soybeans has coverage amounts of 1,000 yuan and 830 yuan per mu, with premiums of 55 yuan and 45 yuan per mu, and insurance rates ranging from 3% to 5.5% [1][2]. Group 2: Financial Support and Subsidies - Farmers are required to bear only 20% of the premiums, with the central government subsidizing 35% and provincial government providing additional subsidies based on the region [2]. - The new policy significantly increases premium subsidies, with a total subsidy of 80% for major grains and soybeans, alleviating the financial burden on farmers [2]. Group 3: Progress and Achievements - From 2020 to 2024, the scale of policy-based agricultural insurance premiums in Rizhao has grown by 28%, reaching 105 million yuan, while financial subsidy funds increased by 25% to 82.67 million yuan [2]. - The risk coverage level has risen by 41%, reaching 3.243 billion yuan, and the number of insured farmers has increased by 17%, totaling 564,100 instances [2]. Group 4: Local Insurance Innovations - Rizhao has developed six local specialty insurance products tailored to its agricultural characteristics, including insurance for silkworms, tea, blueberries, and marine farming [3]. - The agricultural insurance system is continuously improving, with the establishment of a high-quality development joint meeting mechanism and the issuance of management guidelines to enhance the efficiency of financial fund usage [3]. Group 5: Future Directions - The Rizhao City Finance Bureau plans to strengthen collaboration with agriculture and financial regulatory departments to further expand and enhance agricultural insurance coverage, ensuring better benefits for the agricultural sector [3].