Arrived, but a disaster for many years farmers rich agricultural insurance call
In recent years, with the agricultural structure adjustment speed, the rapid agricultural development around efficiency. However, in a flood, a typhoon or a catastrophic accident with the pollution caused by these losses, agriculture can be described as "bear the brunt." Compared with 23 industries, the agricultural growth cycle is longer, slower economic exposure, more constrained by natural factors such as the decision of the agriculture "weak industry" role. With the accelerated pace of agricultural modernization and to develop high value-added agriculture, agriculture, high input, high output, is also associated with high risk. Now, the farmer's insurance is becoming more conscious of the increasingly urgent demand for agricultural insurance. As a basis for industry support, to protect the interests of agricultural production and farmers, to establish and perfect the agricultural insurance system is very necessary.
Nowhere to turn re-insured losses
Zhejiang Shaoxing City Centre Hong Zhang Huakui Baoji and saplings, the investment of more than 2,000 yuan, the introduction of breeder from France, is run fire when a disaster strikes: the farm as a sudden power failure, resulting in high temperature field house In just two hours, only 1.8 million chicken deaths, more than 120 million yuan of direct economic losses, indirect economic losses of 300 million. The face of disaster, Zhang Huakui says with resignation, if there are agricultural insurance enough. However, several embittered to the insured, but insurance has nowhere to turn.
Coincidentally. Shaoxing City in Vietnam with Lingzhi Town, gave birth to the village altar specialized households pearl how the new law, how trendy the two brothers, took out years of hard savings of more than 100 million contract for 100 acres Hetang slope pond cultured pearl. However, an accident so that more than 20 million mussels died within a day, lost nearly one million yuan. Mussel dead hands, the brothers tears. They also thought about the insurance, but insurance companies do not offer agricultural insurance.
According to the Office of Shaoxing Municipal Director of Agriculture introduced by the Department Lv Yimin, they often face such affected families, and some farmers to bank loans, a case of natural disasters, not only to lose everything, also the whole family into trouble. If agricultural insurance this backing, we can greatly alleviate their pressing.
Agricultural insurance into the "vicious circle"
In the insurance industry developed rapidly growing type of insurance today, as the basic industry is not only the development of agricultural insurance, and basically stopped. Animal Raisers side eager to agricultural insurance, the insurance companies generally do not operate side agricultural insurance, is because what is it?
In interviews, many insurance companies, said business people, insurance companies, the enterprise must consider their own benefits, agricultural insurance is a high risk, high damages, almost no insurance company could rely on its own power to run such business. In Shaoxing, only the Chinese People's Insurance Company subsidiary or branch company set up 10 years ago and had such insurance, the risk was too great because of natural suspended. Number of new joint-stock insurance companies on agricultural insurance stayed away, it is not hard to understand. Shaoxing City to convene a leadership meeting several times, hoping the insurance company run agricultural disaster insurance, some insurance companies would also like a lot of ways, ultimately it is difficult to put into practice.
Many industry insiders believe that agricultural disaster insurance is difficult, there are reasons for such insurance themselves. Complicated procedures such claims. Ensure the risk of a fishing ground, and then dead fish, looking for insurance claims. The face of so many dead fish, which is difficult to identify the insurance company had insurance protection, which had no insurance protection, according to one now lost, of course Zhaojiabuzhu. High Peifu lead to agricultural insurance, high premiums and high premiums can also foster the more farmers can not afford the insurance, agricultural insurance, also went into the "vicious circle."
Promote protection of macro-control
I visited on a number of agricultural insurance types of Animal Raisers. Small house in Shangyu City, Township, chicken specialized households Zhang Jianqiang, said farmers growing awareness of insurance, although there is a mountain village, but also active in a large number do insurance business, and sometimes to do insurance business phone one day be able to access to several, but when we propose to give chicken farm on the insurance, but can not find one. More than 200 small rural residential farms and large, want to participate in agricultural insurance, in order to avoid catastrophic event of natural disasters or accidents, the results of years of prosperity one day empty. Zhang Jianqiang that said to support the agricultural industry, vigorously develop the high priority of agriculture, in fact, can give high priority to agriculture, insurance, lift the farmers in the developing peace of mind to bear high risk, high priority is the development of agriculture and farmers the greatest support.
It is understood that in some developed countries, agricultural insurance has become the Government to protect and support agriculture as an important tool. Shanghai has also been the first province to introduce measures for implementation of agricultural insurance, government policies for agriculture insurance, and financial support for certain. According to regulations, the Shanghai suburb of aquaculture and vegetable farmers, rice farming areas such as insurance, access to government departments from 25 to 45 percent of the premium subsidy.
Many agricultural experts and Animal Raisers recommendations, can refer to foreign governments support the development of successful experience in agricultural insurance, give full play to all levels of government macro-control functions, re-adjust their thinking and methods, from the "Financial can bear, bear got the insurance sector, farmers have received got "re-examine three areas, as soon as possible sub-levels, insurance recovery and development of agricultural insurance, the establishment of a sustainable development of agriculture and rural areas to ensure long-term stability of the protection mechanism. Some also suggested that agricultural management at all levels of government finances to carry out the work of agricultural insurance as a key task Agriculture annually set aside funds to establish agricultural insurance fund used to subsidize the insurance companies over compensation and subsidies to farmers insurance costs, and the establishment of full-time agricultural insurance institutions, agricultural insurance as soon as possible into ordinary peasant households.
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