Recently, some parts of the country due to the loss of floods, individual agricultural products and livestock insurance shortage phenomenon caused concern.
What are the reasons for the shortage of insurance? What support policies are needed? Reporters in Shandong, Hunan, Hubei and other fields have been investigated recently.
Not long ago, affected by Typhoon ' Rumbia ', there was a large-scale heavy rainfall in Shandong province, causing damage to some vegetable greenhouses, livestock deaths, mainly concentrated in Weifang, Jining, Heze City, three cities.
Reporters received a Weifang insurance industry Association of Materials, 2017 Weifang insurance institutions, folk cooperatives in the promotion of Pig Price Index insurance, Fangzi District, Gorge Mountain farmers more than 3,000 households, only 19 of households to participate in insurance.
Why is the rate of insurance so low? Weifang Insurance Industry Association said that the agricultural insurance customer group dispersed, and the risk awareness is not strong, plus insurance coverage is low, affecting the farmers ' enthusiasm for insurance.
Reporter survey learned that, in addition to insurance awareness is not strong, long claims, compensation and low standards of the problem also reduced the enthusiasm of farmers to insure, so that agricultural insurance can not play a key moment in agricultural production ' stabilizer ' role.
A family farmer in Hubei province told reporters that his home wheat this year during the harvest due to continuous rainfall disaster, production and quality have declined, the sale price has also dropped sharply, a total loss of more than 500,000 yuan. This year spent about 40,000 yuan, to more than 2000 acres of wheat bought insurance, after the disaster, the insurance company lost nearly 60,000 yuan.
He said, the conversion down, every mu on the loss of more than 10 yuan, no disaster, Changbai, when the disaster, pay too little. Hunan Province, a large grower told reporters that the claims process has ' insurance personnel on-site after the survey and the policy-holders to provide complete materials after 10 working days to pay ' code, the process seems very fast, but the actual time is still long, especially in the field of cultivation, it is easy to delay farming season.
At the same time, the number of insurers is limited, each county insurance company engaged in agricultural insurance of up to five or six people, once a large area of disaster, until the insurance personnel to each site survey, at least 10 days passed, farmers get paid the fastest also to one months time. Agricultural insurance still has a blind spot in many kinds of farming fields. Hunan Province Yiyang Heshan District Agriculture Bureau Director Caili said, some local characteristics of agricultural products Insurance Range Limited, has not been pushed large area.
such as lotus seeds, vegetables, navel orange and other characteristics of insurance, although the exploration, but the size of small, and aquaculture, etc. has not been included in the insurance coverage.
With the process of agricultural modernization speeding up, agricultural production gradually to a moderate scale management change, the industry is faced with increasingly complex types of risk, risk exposure is increasing, urgent need to get the support of agricultural insurance. ' The principle of current policy-making agricultural insurance is ' low security, wide coverage ', it is recommended to re-function positioning. The responsible person in charge of Hunan branch of China Joint Insurance company said, ' Low security ' makes the farmers unable to get full compensation after the agricultural disaster occurs.
In order to achieve ' high security ', commercial insurance can be developed, which is seamlessly linked to policy-related agricultural insurance.
Many people in the industry said that the central financial subsidy is mainly related to the National People's livelihood of the large agricultural products, can be appropriate to the local characteristics of agricultural products into the scope of the central financial subsidies to meet the needs of Farmers Insurance.
Zhu Junsheng, Professor of Finance Institute of the Development Research Center of the State Council, said that in recent years, the number of agricultural insurance subsidies in China has increased, but still needs to be further improved, especially the local characteristics of crops, such as Shouguang vegetables, as well as the characteristics of aquaculture products insurance.
In the survey, some insurers also reflect that the current reserve for agricultural insurance is mainly for insurance companies that run the business of farming risk from premiums or surpluses, but this is far from enough to deal with the current risks, although the previous few years have accumulated, but may be a major disaster in all.
