? I have done agricultural insurance, and I have roots in my heart. How much do I dare to invest! ? Feng Guiting said loudly. Feng Guiting is one of the leaders of Ninghe Yuxiang Animal Husbandry Co., Ltd. Since the city launched the policy agricultural insurance pilot in 2007, she has insured her pigs and cattle every year. At present, Yuxiang Animal Husbandry has 200 sows 1.200, 3000 fattening pigs and 95 cows. Safety cover? .
? Don't be afraid of a disaster like that in 2006 anymore! ? Feng Guiting lamented. That year, 65438+February, a serious infectious disease? Blue ear disease is common in livestock. Seeing that more than 400 fertile sows died in a few days, she was helpless, leaving only tears to wipe. ? We all want to break up and quit! ? In the following year, when it comes to farming, both industries can be insured. They insured all the pigs and cows without hesitation. Feng Guiting snapped his fingers and said that 60 yuan can breed 1 sow, and our farmers only produce 12 yuan, and the remaining 80% is helped by the state. This is a real benefit to the people. 1 The insured amount of fertile sows is 1000 yuan, which is equivalent to one third of the whole breeding cost. If something happens again, with this money, the most basic breeding costs can be returned, and there is still a chance to breathe. ?
This city is typical? Big cities and small rural areas? . All this time. Insurance companies can't afford it, and farmers can't afford it? This dilemma has been restricting the development of China's agricultural insurance. Take this city as an example. According to the statistics of PICC Tianjin Branch, the company started agricultural insurance business from 1984 to 1995, with an average of 135.7% in payout ratio, with losses almost year after year. If you lose a lot, you lose a little, and you don't pay? . They analyzed that the income of farmers who depend on the weather is not high, and their awareness of financial management is relatively weak. Many farmers are lucky and don't want to take insurance at ordinary times. They wait for government relief when they encounter disasters. Because there is no insurance guarantee, it is not uncommon for farmers to return to poverty due to disasters and become poor due to disasters.
In 2006, Tianjin Binhai New Area was incorporated into the national strategy and became a national comprehensive supporting reform experimental base. Solve the problem of agricultural insurance, especially for rural areas across the country? Big cities and small rural areas? The characteristic rural insurance has taken a new road and become one of the focal points of Tianjin's financial reform and innovation.
In the spring of 2007, what was involved in the discussion in the city? Issues concerning agriculture, countryside and farmers. Universality, foundation and policy? Feasibility of reasonable combination of insurance. After in-depth investigation by the Municipal Agriculture Commission, the Municipal Finance Office, the Municipal Finance Bureau and the Tianjin Insurance Regulatory Bureau, it was decided to rely on large state-owned commercial insurance companies to formulate policies? The work of agriculture, countryside and farmers insurance finally forms four major insurances? Engineering? That is to say, all four types of insurance, including rural planting insurance, breeding insurance, farmers' family property insurance and farmers' family property insurance, will be included in the scope of policy-based agricultural insurance? All risks related to agriculture, rural areas and farmers are covered, which is the Tianjin model of policy-based agricultural insurance which is talked about by financial circles. ? The government can afford it, farmers can afford it, and companies can afford it, benefiting the vast majority of farmers in Tianjin? Is the starting point of this model.
In August, 2007, the pilot project of policy agricultural insurance in this city was officially launched.
In Tianjin mode of policy agricultural insurance, what is the premium? Should farmers bear the financial subsidies of cities, districts and counties? Principle of distribution proportion. Among them, the municipal, district and county finances bear 80% of the premiums of the two industries, and farmers pay 20%; Rural housing and agricultural property insurance, the municipal finance bear 30%, farmers pay 70%. Each agriculture-related district and county can make some adjustments according to its own situation.
In interviews with Ninghe, Baodi and Jinghai counties, the author learned that not only Feng Guiting, a large livestock farmer, but also most farmers were right. State subsidies and farmer insurance? The proportion of premium distribution shows acceptance and even gratitude. The relatively intractable premium problem was solved.
It is obviously a more trivial and wise thing to ensure mobility in the implementation of Qiliba Township. In the process of promotion, the urban policy agricultural insurance was explored? Central radiation, village-level extension? A three-level insurance service network for underwriting claims has been established: 12 agricultural areas and counties have 12 direct sales centers and 12 claims branches, central towns have 100 insurance marketing service departments, and general towns and administrative villages have 137 agricultural insurance service stations (points). The staff includes employees of professional insurance companies and insurance assistants in towns and villages. Co-insurers are the most active and sensitive nerve endings in the whole service network. Because they live among farmers, they are farmers themselves. Their appearance has been pestering the long-standing problem of agricultural insurance. Is it difficult to collect information on survey, damage assessment and compensation? No longer exists.
In Xin 'an Town, Baodi District, when Zhao, director of the Agricultural Office, said that through his organization and publicity, more than 7,700 farmers in 46 villages in the town were all insured for planting and more than 3,000 farmers were insured for their houses and property, the author couldn't help wondering? How did he do it without talking? Zhao said that he and his relatives and friends were the first to get insurance. Our farmer 1 mu only pays 3 yuan, and once he is out of danger, he can get 300 yuan compensation; Farmhouse insurance 15 yuan can cover 30,000 yuan, and family property insurance can be covered in 5 yuan 10000. Why not? ? After thoroughly understanding the provisions of policy-based agricultural insurance, he told the accountants in the following 46 villages that the accountants would talk to the villagers in their respective villages, and the relevant information would be publicized on the bulletin boards and publicity columns of the village committees? Clear insurance and clear compensation? In this way, the popularization work began slowly.
In a warm shed of Jinmei Vegetable Planting Cooperative, Zhang Yanlin of Daqiuzhuang, Jinghai County said that it is unthinkable to get a bumper harvest in an agricultural disaster year! Having run a business, he knows the importance of insurance. Under his advocacy, 300 greenhouses in his village are insured every year. Last summer, they caught up with the once-in-30-year flood disaster, and 65,438+000 greenhouses collapsed one after another. ? If we don't have insurance, we will have to cry. Fortunately, there is insurance, and 6 million compensation will arrive soon. What's that feeling! ?
In Ninghe, Feng Guiting of Yuxiang Animal Husbandry said with a smile, since it is tied? Safety rope? In recent years, the scale of pasture farming has become larger and larger. And as far as she knows, the situation of sick pigs and cows entering the market has also been greatly reduced. Without insurance, pigs and cows die and can't get a penny back? Farmers have worked hard to raise pigs and cows, and it is inevitable that some people will secretly take them to the market to sell, thinking that they can recover some hard-earned money. And if insured, 1 fattening pigs can get compensation from 700 yuan once they die, 1 cows can get compensation of 5,000 yuan once they die. With this reward, who will do things that make their conscience uneasy! ?
By the end of 20 12, Tianjin policy-based agricultural insurance has provided 960,000 farmers with planting and breeding risk protection, covering 60 10000 mu of crops, capable of breeding 56 18000 sows and 310000 cows. Provided financial risk protection for farm houses and farms for 14 10000 farmers; Personal accident insurance was provided for 6.5438+0.37 million farmers. The accumulated premium was 258 million yuan, which provided 30.67 billion yuan of risk protection for the rural areas of this city, and paid more than 654.38+59 million yuan.
Du Xiaoshan, a researcher at the Institute of Rural Development of China Academy of Social Sciences, pointed out that Tianjin's exploration of policy-based agricultural insurance is completely consistent with the central spirit. ? Four major risks? A package? Agricultural insurance? Mode, the first in China. From government's independent commitment to market-oriented operation; From passive rescue after disaster to active establishment of risk guarantee system beforehand; Where is Tianjin's exploration, from the exclusive compensation of the government after the disaster to the risk sharing of the government, farmers and insurance companies? Big cities and small rural areas? Or areas with relatively strong financial strength have positive promotion value, and also provide valuable ideas for the development of rural agricultural insurance in China.
20 12,10 In June, the Tianjin Municipal Government issued the Opinions on Further Strengthening the Policy-based Agricultural and Rural Insurance in Our City. This is the Tianjin branch of PICC P&C Insurance Company. File 120? The policy agricultural insurance in our city was officially finalized in the form of government documents for the first time? Four major risks? Comprehensive coverage of the timetable and road map.
? This is the crystallization of the five-year exploration and practice of policy agricultural insurance in this city! ? Wang Jing, deputy general manager of PICC Tianjin branch, and his colleagues mentioned it? File 120? , uncontrollable excitement. He said that the Municipal Party Committee and the Municipal Government have always attached great importance to policy-based agricultural insurance and given full support to the exploration of PICC Tianjin Branch in the past five years. With this document, the popularization of policy-based agricultural insurance is on the fast track! ?
Tips: After five years of exploration, Tianjin's policy-based agricultural insurance has shown its superiority. It not only realizes the risk burden of the government, farmers and insurance companies in risk protection, but also changes passive relief after the disaster into actively establishing a risk protection system beforehand. These changes fully protect the rights and interests of the insured.