Exclusive agricultural disaster insurance products will be widely launched nationwide

[ China Agricultural Machinery Industry News ] In the current agricultural production, natural disasters have a greater impact on agricultural production, how to avoid the impact of natural disasters on agricultural production, improve the resilience of agricultural production, and reduce the losses caused by natural disasters to agricultural production, Improving the overall income of farmers has become an important part of agricultural production security research. Based on this real need, agricultural insurance came into being.



Exclusive agricultural disaster insurance products will be widely launched nationwide

The State Council executive meeting on the 26th decided to innovate the agricultural disaster relief mechanism and launch exclusive agricultural disaster insurance products in 200 counties across the country to meet the urgent needs of the majority of farmers, especially the new agricultural business entities, and further improve the level of agricultural disaster insurance insurance.
The meeting decided that 200 or so counties in 13 major grain producing provinces, including Hebei, Heilongjiang, Anhui, and Henan, will be selected this year and next year, with rice, wheat, and corn as the targets, and launched on the basis of basic risks for all farmers. The guaranteed amount covers direct materialization costs and land rents such as agricultural materials and fertilizers, and is exclusive agricultural disaster insurance products for moderate-scale operators such as family farms, large professional households, and farmer cooperatives.
Professor Guo Guozhu of the Capital University of Economics and Business said that these policy measures will effectively improve the level of agricultural insurance protection. In particular, the inclusion of land rent in the coverage of protection will help increase the support for large-scale farming, thus promoting the healthy development of agricultural modernization.
In recent years, agricultural insurance has developed rapidly, and it has played an active role in improving agricultural disaster prevention and mitigation capabilities and boosting poverty alleviation. According to the data of the China Insurance Regulatory Commission, from 2007 to 2016, the risk protection provided by China's agricultural insurance increased from 112.6 billion yuan to 2.2 trillion yuan; the area of ​​agricultural insurance underwriting increased from 230 million mu to 1.72 billion mu.
At the same time, relevant persons of the China Insurance Regulatory Commission also said that the current level of agricultural insurance protection cannot meet the diverse needs of farmers. For small farmers, because of the low level of protection, after the disaster, the insurance claims “do not quench their thirst”. For new agricultural business entities such as family farms and professional cooperatives, once they suffer from major disasters, they will face major losses, and the existing level of protection is far from meeting their risk protection needs.
Some insurance industry insiders believe that although China's agricultural insurance system has been initially established, agricultural insurance still has problems such as limited protection level and insufficient service capacity. The gap between agricultural insurance protection and the actual needs of farmers has greatly affected the enthusiasm of farmers for insurance. With the improvement of the scale and intensification of agriculture in China, the risk protection provided by agricultural insurance is more needed.
This year's No. 1 Document of the Central Committee proposed to continue to promote the expansion of agricultural insurance, increase products, and raise bids, develop insurance products that meet the needs of new agricultural business entities, and adopt local awards to support local agricultural products. The government work report further confirmed that this year, 13 major grain-producing provinces selected some counties and cities to implement disaster relief insurance for moderate-scale farmers. The industry generally believes that the introduction of specific measures for the State Council executive meeting will promote the sustained and steady development of China's agricultural disaster insurance.
The meeting also decided to increase the proportion of premium subsidies of the central government to the pilot counties in the central and western regions and the eastern counties to 47.5% and 45%, respectively, on the basis of the overall voluntary and voluntary premiums of farmers, and enhance the ability of agriculture to resist risks. In the specific implementation, the place is allowed to explore according to the local reality. In this regard, Yan Guozhu said that this will increase the enthusiasm of insurance companies and farmers.

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