Agricultural insurance coverage is not easy to deal with the "vertical and horizontal relationship"

Agricultural insurance coverage is not easy to deal with the "vertical and horizontal relationship"

"The large-scale heavy rainfall and floods in the country have not had a major impact on Fuling County. However, the disaster is still a risk that agriculture is difficult to completely block. This year, many crops in the country have not been harvested, and the disaster of dumping farmhouses is distressing. It has sounded the alarm for us, and the investment in agricultural insurance is quite necessary. This is the direction we need to develop.” Huang Tao, the vice chairman of the cooperative, told the reporter of “Rural Financial Times”, “On the insurance policy we have learned. 40% of the central government subsidies, 25% of the provincial financial subsidies, 5% of the municipal financial subsidies, 10% of the county-level financial subsidies, and 20% of the farmers and leading enterprises. For example, Henan farmers' acre of wheat land premiums of 27 yuan, themselves You only need to pay 5.4 yuan to insure. If a disaster occurs, the insurance company will compensate 447 yuan per mu. Although the disaster will affect agricultural production, at least it can guarantee cost recovery."

According to Zhang Hu, deputy general manager of Henan Xinyang Hongsheng Food Products Co., Ltd., in the autumn of 2015, 50,000 mu of weak gluten wheat was planted in the county, and all farmers were insured. Although it is helpful for grain planting after the insurance, the problems of complicated purchase procedures, difficult payment and short insurance time still exist, and the enthusiasm of farmers to purchase agricultural insurance voluntarily is not high. In addition, the provincial government has formulated a series of summer grain wheat acquisition assistance measures, but it is still at the stage of the release of the measures document. The specific implementation opinions of various departments have not yet been introduced, and it is difficult to implement the support in place.

On the one hand, the state encourages the promotion of agricultural insurance, and the documents such as “Public Security Joint Office” and “Insurance Helps Poverty Alleviation” are continuously issued, but on the other hand, it is the low participation rate of cooperatives and large grain farmers. The reason is that the farmers have not been hit hard by large-scale crops. At the same time, due to the farmers’ lack of understanding of agricultural insurance, the propaganda of insurance companies and the government has not reached the farmers in depth, and the agricultural insurance policies that have been adapted to local conditions have not been promulgated. The claims procedures are relatively complicated, so most farmers are not motivated to purchase agricultural insurance. Huang Tao added: "Since the county's grain-spending retailers still account for the majority, the insurance company's propaganda and collection of premiums require a large amount of manpower input. If the insurance company and the government can cooperate with the cooperative, it can greatly enhance the intensive nature of the farmers' insurance. And enthusiasm."

Professor Qi Guozhu from the Capital University of Economics and Business believes that the level of agricultural insurance in China really needs to be improved. “The level of insurance coverage for crop farming in developed countries has reached 85% of income, while China only accounts for 30%-40%. There is a big gap. Most of the regional insurance business is micro-insurance business. The farmers are highly dispersed, the single-average insurance amount is small, the marketing staff has low production capacity, and the marketing cost is very high, which makes it difficult for the coverage of rural insurance business to develop rapidly."

Qi Guozhu added: "We should focus on the "cross-sectional relationship" of agricultural insurance. In the horizontal direction, agricultural insurance should cover all major industries of agriculture, forestry, animal husbandry and fishery as soon as possible. In the vertical direction, it is necessary to accelerate the integration with the agricultural industrial chain, and gradually establish direct coverage of physical and chemical costs. Cost, even an insurance service system that covers basic benefits."

(Original title: Agricultural insurance, it is not easy to say that it is easy to love you)