Active claiming policy agricultural insurance to escort agricultural production insurance

China Commercial Daily (Xuejue reporter Bai Yaqi) Since July this year, the Yangtze River Basin has continued to have high temperatures and rain, rivers and rivers have been less water, water levels continue to fall, and the development of drought has been rapid, which has a certain impact on agriculture and residents' production and life. Facing the drought, in many places, policy agricultural insurance claims the green channel, reduce the losses of farmers, and escort my country's agricultural production. People in the industry said that policy agricultural insurance has become the "protective umbrella" of rural development, the "security net" of agricultural efficiency, and the "amulet" for farmers' income.

Promote agricultural insurance claims in more places

At the peak of drought this year, the drought area of ​​the Yangtze River Basin reached 66.32 million mu, and 4.99 million people and 920,000 large livestock were affected by drought supply. Drought areas are mainly concentrated in Chongqing, Sichuan, Hubei, Hunan, Jiangxi and other places.

The executive meeting of the State Council held on August 24th to the deployment of the State Council will further do a good job in drought resistance and strengthen the support of financial resources. In addition, in the face of drought, actively carry out agricultural insurance claims in many places, increase support for agriculture, and reduce losses of farmers.

China Business Daily reporters learned from the Nanjing Finance Bureau of Jiangsu Province that since the flood this year, Nanjing has gone through two rounds of continuous high temperature weather, setting the highest value of high temperatures since 1961. Aquaculture breeding has been greatly affected. As of the end of August, there were 520,000 acres of crops and aquatic products in Nanjing, involving 15,000 farmers, and expected to compensate more than 100 million yuan. Among them, rice compensation was 27 million yuan, Neutang crab compensation was 45 million yuan. Essence The Nanjing Municipal Finance Bureau is strengthening the guidance of agricultural insurance survey, urging insurance institutions to accelerate the progress of investigation and claims, establish a green channel for claims, and fully help farmers to recover losses, restore production, and escort Nanjing agricultural production.

In addition, Sichuan and Chongqing have taken corresponding measures. On August 23 this year, the Sichuan Banking Insurance Regulatory Bureau jointly issued the "Notice on Doing a Better Insurance Emergency Response Response Response and Calculating Disposal Treatment of Agricultural Insurance", launched the emergency response to major drought drought in agricultural insurance, and solidly promoted the disaster agricultural insurance The claim work further improves the timeliness and service quality of agricultural insurance claims, gives full play to the role of agricultural insurance in ensuring food security, agricultural disaster prevention and mitigation, etc., and helps to stabilize production insurance. The notice requires that the 24 -hour investigation system is strictly implemented, the post -disaster claim work is accelerated, the management of claims is strictly claimed, and the work of disaster prevention and mitigation is carried out.

In order to further improve the level of agricultural risk protection, the Chongqing Finance Bureau, together with the Municipal Agricultural and Rural Commission and other departments, increase the maintenance of main grain crops, and fully implement the entire grain crops such as rice, corn, potato and other main grain crops in Chongqing. The amount was increased to 1100 yuan/mu, 1100 yuan/mu, and 1240 yuan/mu, respectively.

Insurance companies open green compensation channels

In the face of drought, insurance companies actively participate, open the green compensation channel, and speed up claims.

In order to cope with continuous drought disasters, China Property & Casualty Chongqing Branch launched a major disaster emergency plan, set up an emergency headquarters, opened the green compensation channel, simplified the claims process, and made a good job due to drought disaster. The fixed loss team uses scientific and technological means such as satellite remote sensing, drones and other technologies to achieve fast and efficient survey determination. Since August, the company's agricultural insurance survey personnel have conducted more than 300 on -site surveys on the disaster accident, and the amount of crop insurance loss of crop insurance such as Tongnan, Yongchuan, Wuxi, etc. has begun to enter the compensation process. The affected farmers used practical actions to make the majority of farmers feel the benefits of participating in the policy of benefiting agricultural insurance.

The same is true of the Chongqing Branch of PICC. In order to help the affected farmers restore the production and life as soon as possible, use insurance compensation to allow the farmers to directly feel the warmth of the party's central support farmers and farmers. The claims process and document; for the poor households and the full -loss farmers with fast compensation conditions, the loss is determined from the speed verification, and the compensation is given priority; the large -scale planting households with difficulty in funds provide prepaid compensation channels.

As of press time, the PICC Property & Casualty Chongqing Branch has launched 71 agricultural insurance products in 33 districts and counties this year, covering 37 major varieties of the three major industries of varieties, maintenance, and forests, and providing risk guarantee 16.143 billion yuan. At the same time, at 40, at 40 The disaster insurance for the district and county provided 5.246 billion yuan in risk protection for 26.54 million people.

In Sichuan, Ping An Property Insurance also participated in drought resistance. On August 11, Sichuan Province launched a level III drought resistance response, which is also the first time that Sichuan has launched this level emergency response since 2012. According to the relevant person in charge of Ping An Property Insurance, in the face of this drought, Ping An Property Insurance Sichuan Branch emergency mobilization, launched emergency plans for major drought weather, organized a seminar on drought -resistant insurance production, opened green claims channels, and organized hundreds of people. The front -line survey personnel rushed to the field to investigate and lose damage at the fastest speed to ensure that the compensation was issued in a timely manner in time, and strived to reduce the loss of disasters. As of press time, Ping An Property Insurance Sichuan Branch has received 222 reports, and has paid more than 470,000 yuan in payment.

Industry insiders said that the role of agricultural insurance played in serving the "agriculture and rural areas" has become increasingly greater and has become an indispensable force to promote rural revitalization.

Policies help agricultural insurance's high -quality development "In the context of global warming, natural disasters such as high temperature, rainstorms, floods, and drought in my country are prone to high incidence." "Disaster reduction plan" (hereinafter referred to as planning) pointed out that in the face of complex and severe natural disasters, there are still shortcomings and deficiencies in my country's disaster prevention and mitigation system. It is mentioned in the plan that the establishment and improvement of the giant disaster insurance system, promoting and improving the system of agricultural insurance, residential housing disaster insurance, commercial property insurance, and public liability insurance for fire, and give full play to the role of insurance mechanisms and further improve my country's insurance system.

In the opinion of Li Wenzhong, deputy director of the Insurance Department of the University of Economic and Trade, promoting the disaster insurance to play a greater role in my country's emergency management system, it is necessary to clarify the status of the disaster insurance in the relevant legal system in the relevant legal system, so as to effectively promote the effects of effectively promoting The disaster insurance is integrated into the national emergency management system.

Planning also pointed out that it is necessary to use the advantages of the insurance industry, relying on insurance institutions, insurance research institutions, industry social organizations, etc., to establish a disaster prevention and reduction insurance research base and big data innovation application laboratory, build a multi -party interdisciplinary research platform It is developed for insurance products that are suitable for natural disasters such as earthquakes, geology, meteorology, water, drought, ocean, and forest grassland fires. The "White Paper (2022)", which was jointly compiled by the Rural Economic Research Center of the Ministry of Agriculture and Rural Affairs and the Tsinghua University Fintech Research Institute, etc., predicts that the scale of agricultural insurance premiums in my country will exceed 160 billion yuan in 2025, which is expected to surpass it. Responsibility insurance has become the top three insurance types of property insurance companies.

Yang Yanhua, director of the National Agricultural and Rural Insurance Research Center of China Agricultural University, said that financial departments at all levels should strengthen the collaboration with relevant units such as agricultural and rural areas, insurance supervision, forest grass and other underwriters to promote agricultural insurance premium subsidy policy and other rural finance and supporting farmers. The policy of benefiting farmers is organically integrated to improve the efficiency of financial funds.

The Agricultural and Rural Ministry said in response to the Proposal No. 00668 of the Fifth Meeting of the 13th National Committee of the CPPCC, and stated that it is necessary to support the development of insurance products to develop insurance products according to local conditions, promote the continuous "expansion, increase, and bidding" of agricultural insurance, and for the characteristics of poverty alleviation areas. The stable and healthy development of the industry provides a strong guarantee.

Not only that, the CBRC is also actively promoting the development of agricultural insurance business. On September 1 this year, the person in charge of the relevant departments of the Banking Insurance Regulatory Commission answered a reporter's question that the "Insurance Company's Capital Capacity Supervision Rules (II)" (hereinafter referred to as the Rules II) issued by the "Insurance Company Calculation Regulation Regulation Rules (II)" was given a number of support policies for agricultural insurance , Effectively promote the insurance industry to enhance the ability of the real economy and enhance the quality of the real economy. Rules II allows insurance companies to measure the lowest capital risk of agricultural insurance business insurance at a ratio of 90%. At the end of the second quarter of this year, the policy saved the minimum capital of the insurance industry about 2.7 billion yuan, and supported insurance companies to provide more than 420 billion yuan in risk protection for "agriculture, rural areas, and rural areas."

"It is necessary to further strengthen the awareness of disaster prevention and mitigation throughout the society, pay more attention to disaster prevention and pre -disaster warning, and give full play to the service advantages of insurance companies." Hu Xingdou, a professor of economics at Beijing Institute of Technology, told China Business Daily that agricultural insurance as decentralized agricultural production as a decentralized agricultural production Important means of operating risks play an important role in promoting the development of modern agriculture, promoting the revitalization of rural industries, improving rural social governance, and ensuring farmers' income.

Link: Agricultural insurance high -quality development goals

The "Guiding Opinions on Accelerating the High -quality Development of Agricultural Insurance" issued by the Ministry of Finance in 2019 proposes that by 2022, the basic construction function is complete, standardized, and complete, and it is compatible with the development stage of agriculture and rural areas. Multi -level agricultural insurance systems responsible for the central and local division of labor.稻谷、小麦、玉米三大主粮作物农业保险覆盖率达到70%以上，收入保险成为我国农业保险的重要险种，农业保险深度（保费/第一产业增加值）达到1%，农业保险密度（保费/ Agricultural employment population) reached 500 yuan/person.

By 2030, agricultural insurance will continue to improve quality and efficiency, transformation and upgrading, and the overall development will basically reach the international advanced level. The efficiency of subsidies, industrial guarantees, affordable farmers, and sustainable institutions.

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