Core Viewpoint - The development of high-standard farmland is crucial for enhancing national food security and agricultural productivity, with insurance playing a significant role in supporting this initiative [2][4]. Group 1: High-Standard Farmland Development - The concept of high-standard farmland was first introduced in the 2005 Central Document No. 1, making it a key focus for local governments [2]. - Approximately 30% of high-standard farmland suffers from reduced effectiveness due to poor management and maintenance [2]. - The insurance products tailored for high-standard farmland cover potential defects in construction quality, maintenance costs, and damages from natural disasters, providing comprehensive protection for agricultural development [1][4]. Group 2: Insurance and Risk Management - The "insurance + service" model has emerged as a mainstream approach to address the complexities and risks associated with high-standard farmland construction and maintenance [3]. - Insurance companies are encouraged to organize professional oversight for design, construction, and supervision to mitigate engineering quality risks [2]. - The integration of technology, such as drone surveillance and AI for risk identification, enhances the efficiency of farmland management and maintenance [3][4]. Group 3: Financial Support and Impact - As of December 2024, insurance products related to high-standard farmland have been promoted across 31 provinces, with total compensation payments exceeding 1.35 billion yuan [1]. - High-standard farmland insurance fills a critical gap in risk management throughout the entire lifecycle of farmland development, transitioning from passive compensation to proactive risk prevention [4]. - This insurance not only boosts farmers' confidence but also supports the strategic goals of food security and agricultural modernization, contributing to rural revitalization [4].

在全球可持续发展浪潮下，ESG（环境、社会及治理）已从企业发展的"可选项" 转变为"必答题"。据此 前彭博预测，2025年全球ESG资产规模将达到53万亿美元，约占全球资管规模的三分之一。 挪威全球养老基金、加拿大养老金计划投资委员会等国际顶尖投资机构，更是将ESG因素作为核心投资 决策依据，倒逼被投企业提升可持续发展能力。 企业的可持续发展底气，既源于外部认可，也来自内部凝聚力——根据联交所资料显示，中国平安长期 服务计划于9月8日增持中国平安739万股H股，每股平均价56.0194港元，涉资4.14亿港元，持股量由 4.95%增至5.05%。 内部信心与外部认可的双重加持并非偶然，而是中国平安将 ESG 理念深度融入业务运营，在环境、社 会及治理维度持续深耕的必然结果。 一、以绿色金融与科技构建低碳发展生态 面对全球气候变化挑战，中国平安以"绿色金融"为核心抓手，联动科技力量，形成了"对外推动社会低 碳转型、对内落实自身减排承诺"的双轮驱动模式。 在绿色金融布局上，平安构建了"投资+贷款+保险"的三维资金支持体系，为低碳产业注入源源不断的 金融活水。 据2025年中期报告显示，截至6月末，平安保险资金绿色 ...

在全球可持续发展浪潮下，ESG（环境、社会及治理）已从企业发展的"可选项" 转变为"必答题"。据此 前彭博预测，2025年全球ESG资产规模将达到53万亿美元，约占全球资管规模的三分之一。 挪威全球养老基金、加拿大养老金计划投资委员会等国际顶尖投资机构，更是将ESG因素作为核心投资 决策依据，倒逼被投企业提升可持续发展能力。 在此背景下，中国平安近期交出了一份亮眼的ESG成绩单。香港恒生指数公司将其2025年度可持续发展 评级上调至A级，位列A股可投资成分股公司前10%、H股金融行业前20%；万得（Wind）最新ESG评级 中，平安更是斩获最高等级AAA级，成为A股和港股同行业中唯一获此殊荣的企业。 据2025年中期报告显示，截至6月末，平安保险资金绿色投资规模达1444.82亿元，重点投向含绿色环 保、清洁能源、污染治理等领域；绿色贷款余额2517.46亿元，为绿色项目提供长期资金支持；绿色保 险原保险保费收入358.36亿元，通过推出锂电池衰减险、充电桩产品责任险、耕地地力指数保险等创新 产品，为企业低碳转型转移风险。 在自身环境责任落实上，平安将"碳中和"目标纳入集团战略顶层设计，承诺2030年实现运营 ...

Core Viewpoint - The Ministry of Agriculture and Rural Affairs of China has announced the top ten innovative financial support models for agriculture in 2024, with "China Pacific Insurance's comprehensive agricultural insurance products supporting farmland protection and quality improvement" being recognized as one of the innovative models [1] Group 1: Innovative Products - China Pacific Insurance has developed three major insurance products: quality defect liability insurance for high-standard farmland construction, comprehensive insurance for farmland facility damage, and soil fertility index insurance, providing comprehensive protection for transforming ordinary farmland into high-yield farmland [2] - The quality defect liability insurance for high-standard farmland construction covers material damage caused by quality defects and natural disasters, as well as repair costs due to operational failures [2] - As of the end of 2024, these three agricultural insurance products have been promoted in all 31 provinces, providing risk coverage of 14.4 billion yuan for quality defect liability insurance, 2.9 billion yuan for comprehensive insurance, and over 800 million yuan for soil fertility index insurance, with total claims exceeding 135 million yuan [3] Group 2: Service Innovation - China Pacific Insurance has introduced professional services to enhance farmland facility management, intervening throughout the entire process of farmland construction, management, and maintenance [4] - The company has established specialized service teams in Sichuan Province to conduct risk assessments and provide maintenance suggestions, resulting in the identification of 585 risk points and 164 hidden risks in completed projects in 2024 [4] Group 3: Technology Empowerment - The company is enhancing service efficiency through technology, developing a "Farmland Management" platform that integrates risk control technology for digital processes and online operations [5][6] - The platform allows for the recording of insured farmland project information and facilitates regular inspections and risk reporting through a mobile app [6] Group 4: Risk Reduction - China Pacific Insurance is shifting its insurance model from traditional loss compensation to risk reduction, exploring integrated service mechanisms that combine preemptive measures and post-event compensation [7] - In Liaoning Province, the company is promoting soil quality improvement by providing farmers with free materials for soil enhancement and technical guidance from third-party soil restoration companies [7]