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]

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