Why don't I want to insure the grain?

"people don't have insurance, so they give it back to the grain?" A village cadre in Henan Province told the reporter that in recent years, in order to allow farmers to insure their wheat and corn, he would go door to door to collect premiums every year. "the villagers do not have any sense of insurance, and they are used to thrift, so if they can save, they will save. Even if the premium is four or five yuan, you still have to weigh it in your mind. "

"insuring grain is originally a good policy for the country to benefit the people. According to the policies of the state and Henan Province, the premium for wheat and corn per mu this year is 27 yuan and 20 yuan per mu, of which 80 percent can be subsidized by the central, provincial, municipal and county governments, and ordinary people only have to pay 20 percent, that is, four or five yuan. " "according to our survey, the participation rate of food crops is not high," said Liu Mingxian, a party member of the Henan Provincial Bureau of Statistics and leader of the Henan local economic and social investigation team. " Of the 600 farmers surveyed, 317 have never participated in any food crop insurance, accounting for 52.8%, according to survey data released by the local economic and social investigation team of Henan Province.

Why are good policies given the cold shoulder?

The farmers' insurance consciousness is weak, and they think that the compensation payment is low and the claim settlement procedure is troublesome.

"if you only have more than one mu of land, you will lose it." When the reporter interviewed in a certain village, he mentioned agricultural insurance, and many villagers said so. They may only have heard of it, but they do not understand the specific policies and insurance procedures, or they have not heard of them at all. According to the survey of the local economic and social investigation team of Henan Province, in 2013, only 21.2% of farmers participated in wheat insurance, with an area of 28.5%, and only 11.3% of farmers participated in corn insurance, with an area of 16.8%.

Low compensation payment and troublesome claim settlement procedures are the reasons why many villagers are unwilling to continue to insure. "according to the terms given by the insurance company, the maximum compensation for an mu of wheat is 447 yuan, but if it is not affected, I will have to sell at least 1000 yuan per mu of wheat." A villager in Pingdingshan insured wheat last year, and some of the wheat in the field was damaged due to drought. "when insurance premiums are required, village cadres come to collect fees. Can wait until the insurance company to lose money, the procedures can be troublesome, back and forth several times, and finally waited for more than two months, a mu of land only lost more than 200 yuan.

Villager Wang Min told reporters that he did not buy any agricultural insurance this year: "I can't afford to spend time. I don't have that spare time." Instead of listening to the insurance company's explanation, I might as well go out and work for a day or two for quick money. "

Liu Mingxian explained that the current agricultural insurance policy only covers the physical and chemical costs of the land, such as seeds, chemical fertilizers, pesticides, and so on, not including labor costs, let alone the income of the current season, so the maximum compensation per mu is 447 yuan. This is still in the case of a complete end of harvest, if there is no end of harvest, taking into account the loss rate, many villagers will lose 200 to 300 per mu of land; in addition, the average planting area of scattered small farmers in Henan is only more than one mu, and the original income is not high. I am even more unwilling to pay the cost of insurance for this.

Heavy workload, low profits, lack of grass-roots strength of insurance companies

In late August this year, during the male corn production period, the Gaocun Township area of Xingyang City, Zhengzhou was hit by hail, causing corn lodging and serious damage to corn production. A large grain grower was glad that he had insured the transferred 930 mu of corn land. He spent more than 18000 yuan according to the premium of 20 yuan per mu. However, the indemnity he finally received was "more than 25000 yuan, which is equivalent to recovering the loss of more than 7000 yuan." He asked puzzled: "according to the insured amount of 329 yuan per mu, the insurance company identified the affected area of 247 mu, but also have to compensate more than 80,000 yuan?"

In this regard, Tang Zhenlin, deputy general manager of the Henan Branch of China United property Insurance Co., Ltd., explained: "according to the insurance clause, the insured amount should be multiplied by the loss rate. The loss area and loss rate are determined or sampled by professionals designated by the insurance company. Take a sample when you are affected by the disaster, and then sample again after a bumper harvest of wheat or corn in the same region, compare the two, and get the loss rate. "

At the same time, corn insurance should also be multiplied by 50%, 75% and 100% of the compensation ratio according to the different growth periods at the time of the disaster, such as seedling stage-pre-jointing stage, jointing stage-heading stage, flowering stage-mature stage. "at that time, the loss rate of this farmer in Gaocun Township was 41.5%, and the final compensation payment was 329 × 247 × 41.5% × 75% 25293.1 yuan."

Tang Zhenlin said that many farmers could not understand or listen to the claims settlement procedures and loss determination process of insurance companies, which made commercial insurance companies very helpless. At the same time, the lack of policy subsidies makes commercial insurance companies more difficult to say. "Food crop insurance belongs to policy insurance, and the profit is low or even non-profit. According to regulations, insurance premiums are subsidized by the central, provincial, municipal and county finance at the proportion of 40%, 25%, 5% and 10%, but 10% of the county finance is difficult to put in place. Since the company launched agricultural insurance in 2007, the county-level finance has totaled 60 to 70 million to the company. "

The lack of grass-roots strength of insurance companies is also another major factor restricting the development of agricultural insurance work. Liu Mingxian told reporters that at present, commercial insurance companies have limited grass-roots staff, great pressure on business development, and insufficient service capacity, so it is difficult to meet the needs of large-scale food crop insurance and other work. "A lot of work, such as filling out lists, collecting insurance premiums, measuring the area of land, and so on, mainly depends on village cadres. However, the work of village cadres is heavy and their enthusiasm is not high. If the township government includes it in the work assessment goal, the village cadres feel beset with difficulties, and even pay the insurance premium for the farmers themselves in order to complete the task. However, when the disaster is affected, there will be disputes among farmers, village cadres and insurance companies. "

The demand for insurance is still there, and the large growers are highly motivated to participate in the insurance.

However, as the commercial insurance company with the largest market share of agricultural insurance in Henan, Henan Branch of China United property Insurance Co., Ltd. still holds a positive and optimistic attitude towards food crop insurance. "now a lot of land has been transferred, and there have been a lot of big growers. The company is now targeting these large growers, targeted publicity and personalized customization of insurance contracts, because these large growers have large production investment and high risks, and their insurance awareness and enthusiasm for insurance are also much higher than those of ordinary small, scattered and weak farmers. " Tang Zhenlin said.

In view of such problems as the low enthusiasm of farmers to participate in insurance and the weak grass-roots strength of insurance companies, Liu Mingxian suggested that the municipal government, townships, and grass-roots organizations should actively participate in the work of food crop insurance, and it is not realistic to let commercial insurance companies and village cadres fight alone. It is necessary to strengthen publicity, including insurance coverage, claim settlement standards, damage measurement methods, identification institutions, claim settlement procedures, and so on, so that farmers can have a correct understanding of agricultural insurance and understand the specific terms.

At the same time, the standard of fixed loss of grain crop insurance should be scientific, reasonable, standardized, transparent and fair, and it is suggested to integrate the technical strength of insurance, finance, agriculture, meteorology, water conservancy, statistics and other departments. establish a food crop risk disaster assessment team and a rapid assessment claim response mechanism. After the occurrence of disasters and accidents, we can timely, scientifically and efficiently investigate and determine the causes of damage, the source of risk and the degree of loss, disclose the claims settlement procedures, and improve the credibility of the claims results and the satisfaction of farmers.