Agricultural insurance work plan of insurance company
On April 1 1, it was learned from the Henan Provincial Department of Finance that the Henan Provincial Department of Finance, together with the Henan Insurance Regulatory Bureau, the Henan Provincial Department of Agriculture, the Henan Provincial Animal Husbandry Bureau, the Henan Provincial Forestry Department and the Henan Provincial Tobacco Monopoly Bureau, issued a 20 16 work plan for Henan's agricultural insurance, which clarified the key points of Henan's agricultural insurance work in 20 16.
Focus 1: cancel the county-level premium subsidies for the three major grain crops in major grain-producing counties. In order to alleviate the financial pressure of major grain-producing counties, the existing 104 national grain-producing counties in Henan Province have been adjusted since 20 16, increasing the proportion of central and provincial financial subsidies, keeping the proportion of municipal financial subsidies unchanged, and canceling the premium subsidies of major grain-producing counties. The original county-level financial burden was entirely borne by the central finance and provincial finance. The relevant person in charge of the Henan Provincial Department of Finance said, "Based on the actual participation in 20 15 years, this measure will directly reduce the county-level financial burden of premium subsidies for the three major grain-producing counties 1 100 million yuan."
Focus 2: Insurance incentive policy with local characteristics. In order to encourage agricultural insurance contractors to support local economic development through insurance innovation, Henan Province has introduced insurance incentive policies with local characteristics. Since 20 16, the agricultural insurance products provided by various agricultural insurance contractors that have not been subsidized by the central finance and provincial finance have achieved remarkable economic and social benefits. If the municipal and county finances subsidize the premiums and put them in place, the Henan provincial finance will give a maximum reward of not more than 50% of the actual premium paid by the cities and counties according to the budget arrangement of that year, and the incentive funds will continue to be used to support the development of agricultural insurance.
Focus 3: Clarify the illegal exit mechanism. In order to urge agricultural insurance contractors to carry out business in compliance with laws and regulations, the 20 16 agricultural insurance plan clarified the mechanism of financial subsidies for agricultural insurance contractors to withdraw in violation of regulations. Counties (cities, districts) as a unit, where the agricultural insurance business is investigated and dealt with by the provincial and above regulatory authorities due to major violations of laws and regulations, the financial departments at all levels will not support it to carry out agricultural insurance business within three years, and will no longer bear the financial premium subsidy funds. An insurance contractor in two counties (cities, districts) in a provincial city who is investigated and dealt with by the provincial and above regulatory authorities for major violations of agricultural insurance business will not be supported by governments at all levels to carry out agricultural insurance business in the provincial city within three years, and will no longer bear the financial premium subsidy funds.
Second, how does Henan agricultural insurance "protect" agriculture?
"Agriculture is a typical high-risk basic industry. Spreading agricultural risks through insurance is not only related to the healthy development of rural economy, but also related to the national economy and people's livelihood. " On May 28th, an agricultural insurance expert, Professor capital university of economics and business, said at the seminar on "Exploration and Innovation of Agricultural Insurance in Henan" jointly sponsored by the Financial Office of the Provincial Government and Henan Insurance Regulatory Bureau.
Then, what is the current implementation of agricultural insurance in Henan Province?
Agricultural insurance in Henan province has developed rapidly; In early May, strong convective weather occurred in some areas of Henan Province, which was hit by short-term heavy rainfall, hail, lightning and strong wind, and crops in some areas were seriously damaged. According to statistics, during the storm and hail disaster, the insurance industry in the province received 4,466 reports of wheat insurance, with the reported loss area of 1.45 million mu and the estimated loss amount of1.300 million yuan.
In response to this disaster, Huanong Property & Casualty Insurance Henan Branch paid 1.500 mu in advance for the heavily damaged seed wheat insured by Zhongken Seed Industry Base, which provided basic guarantee for the enterprise to resume reproduction. In just six days, Zhonglian completed the claim of 420,000 yuan for winter wheat in Fangcheng County, Nanyang 1 102 mu, benefiting 97 farmers in five administrative villages and effectively alleviating the economic losses of the affected farmers.
"Agricultural insurance has effectively improved farmers' ability to resist production and operation risks to a certain extent, and has also played a positive role in promoting rural economic development." Sun, director of the provincial government financial office, said.
Since 2007, Henan agricultural insurance has developed rapidly from scratch. According to the data of Henan Insurance Regulatory Bureau, 1 By April this year, the agricultural insurance premium income in Henan Province was 764 million yuan, up 75.68% year-on-year. Taking wheat as an example, 2,570,200 farmers participated in the insurance, up 45.13% year-on-year; Risk protection was 8.723 billion yuan, a year-on-year increase of 59.27%.
Up to now, Henan province has developed 12 kinds of products subsidized by the state, and two kinds of products subsidized by local governments, namely tobacco leaves and broilers, have also been launched in Henan province. There are 8 agricultural insurance handling companies, and Zhongyuan Agricultural Insurance Company, the first professional agricultural insurance legal person institution in Henan Province, is about to open. In 20 14, local characteristic insurance such as apples, pomegranates and seeds and innovative insurance such as target price insurance for pigs and wheat were launched, and the coverage of some types of insurance was also greatly improved.
Agricultural insurance opportunities and challenges coexist.
Although the overall agricultural insurance in Henan Province shows a good development trend, experts also point out that the fundamentals of agricultural insurance in Henan Province are late start, rapid development, weak foundation and great future potential.
"There are many varieties, but the coverage is not big enough." The relevant person in charge of Henan Insurance Regulatory Bureau said that, for example, sow insurance has been carried out for eight years, and the underwriting rate in 20 14 years is only 28%, and the underwriting rate of rice, corn and wheat is 27.8%, which is 34.5 percentage points lower than the national average.
Zhu Guo pointed out that agricultural insurance has the characteristics of "three lows and three highs", that is, "low subsistence allowance, low cost, low subsistence allowance, high risk, high cost and high compensation", which all restrict the development of agricultural insurance to some extent and are difficult problems to be solved urgently.
On the other hand, Henan is at the turning point of the rapid development of agricultural intensive production, and large-scale agricultural operation will increase the demand for agricultural insurance service quality. According to reports, there are 60,000 family farms 1.6 million, 39,000 large grain growers and 32 1.6 million mu of cultivated land, accounting for 29% of the total area.
"Large-scale operation of agriculture will bring an increase in the proportion of agricultural income, the overall investment in production, the concentration of business risks and the total premium expenditure to operators, and will also lead policyholders to be more sensitive to insurance rates, pay more attention to the scope of protection, be more cautious about the choice of insurance companies and have higher requirements for insurance follow-up services." Li, director of Henan Insurance Regulatory Bureau, said.
Another opportunity for the development of agricultural insurance is that the state and governments at all levels pay more and more attention to it, and favorable policies are frequent. In the "No.1 Document" every year, the provincial party committee and the provincial government include agricultural insurance, and continue to introduce policies to increase the proportion of provincial financial subsidies, continuously improve insurance coverage, open up the varieties of provincial subsidies, and encourage local development of local characteristic insurance types.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.