Appeal: Breaking through the bottleneck of agricultural insurance to support farmers' "protective umbrella"

[ China Agricultural Machinery Industry News ] "Premier Li Keqiang pointed out in the government work report that speeding up modern agricultural construction should promote the development of modern agriculture with sustained and stable agricultural insurance." Zhang Bo, member of the National Committee of the Chinese People's Political Consultative Conference and chairman of Zhejiang Commercial Group Co., Ltd. The sentence is particularly deep. Zhejiang's policy-based agricultural insurance started in 2006 and has now covered the entire province of Zhejiang. The participation rate of large-scale agricultural households exceeds 80%. Currently, there are more than 50 types of insurance, which is one of the provinces with more insurance types in the country.

Appeal: Breaking through the bottleneck of agricultural insurance to support farmers' "protective umbrella"
Zhang Bo said that the reason why Zhejiang's agricultural insurance is at the forefront of the country has benefited from many efforts, including many advanced experiences. For example, Zhejiang promotes the innovation of meteorological index insurance, uses the model of meteorological data from Zhejiang Province for decades, establishes the payment standard for insurance, and guarantees the farmers to plant things in the same year. In case of disaster, there is a good payment.
Gao Guofu, member of the National Committee of the Chinese People's Political Consultative Conference and chairman of China Pacific Insurance Group Co., Ltd., said that the development of agricultural insurance has achieved remarkable results in the past 10 years. The main body of agricultural insurance management has also continuously developed and innovated, and continued to promote the expansion of agricultural insurance, product enhancement and bidding. . In recent years, it has launched innovative insurance products such as price index insurance and meteorological index insurance. With the advantages of the insurance industry in big data and technology, it has effectively reduced costs and better benefited farmers.
"We must further improve agricultural policy insurance and support the 'protective umbrella' for farmers." Zhang Bo believes that there are still many bottlenecks in policy agricultural insurance that need to be broken: for example, for small-sized insurance, farmers are not strong enough in consciousness; The good geographical compliance insurance mechanism needs to be strongly promoted by the relevant departments at the beginning; when encountering a catastrophe, it cannot be undertaken by an insurance company, and it is necessary to adopt a method of reinsurance.
Wu Yueshi, member of the National Committee of the Chinese People's Political Consultative Conference and executive vice chairman of Longping Hi-Tech, suggested that the main problems in agricultural insurance related to planting industry need to continue to expand, increase, raise, and innovate, and develop to meet the needs of new agricultural operators. Insurance products, boosting planting industry to improve quality and efficiency. He further suggested that insurance products with “basic insurance + land cost additional insurance” should be opened for the new planting business entities.
"In recent years, natural disasters have occurred frequently, and farmers' ability to prevent and mitigate disasters has been relatively weak." Gao Guofu suggested encouraging agricultural insurance innovation through financial subsidies; continuously optimizing agricultural catastrophe risk prevention mechanisms, and improving information sharing mechanisms. The ability of insurance entities to serve agricultural catastrophe risks.
Luo Shaming, a member of the National Committee of the Chinese People's Political Consultative Conference, said that China's agricultural insurance innovation should be promoted from the supply side and the agricultural insurance system proposed by the "13th Five-Year Plan" should be implemented. Luo Shaming believes that innovation should be carried out in the way of catastrophe risk dispersion, and that the special fund for agricultural insurance can be raised through the multi-channels of national financial funds, agricultural insurance premium income, tax reduction and agricultural catastrophe risk securitization, and agriculture can be established by means of financial allocation. The disaster compensation fund will add a certain amount of funds each year to the agricultural disaster compensation fund to compensate for the excess claims of the agricultural insurance company when large disasters occur.
Yang Chao, a member of the National Committee of the Chinese People's Political Consultative Conference, suggested that the Ministry of Finance and the China Insurance Regulatory Commission should discuss with the Ministry of Agriculture, the Ministry of Housing and Urban-Rural Development, the Forestry Bureau and other departments to issue some agricultural subsidies in the form of agricultural insurance, and appropriately increase the proportion of premium subsidies for some types of insurance, and promote the establishment of financial support. The agricultural insurance disaster risk dispersion mechanism; state-owned large insurance institutions play a political, network, and technological advantage, actively explore innovative insurance products, and tilt resources to the central and western regions and production counties.

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