How farmers suffer less damage in case of natural disasters

On April 12, Longping High-tech issued an announcement on the widely concerned "Liangyou 0293" incident, saying that it would stop selling "Liangyou 0293" and was communicating with representatives of affected farmers, dealers and agricultural management departments to discuss possible rescue plans and implement them in stages and batches. At the same time, it is planned to establish a seed industry post-disaster relief fund, which will extract a certain proportion of funds from annual profits and put them into the fund to rescue farmers suffering from natural disasters.

Anhui Guoyuan Agricultural Insurance Company claims have been basically in place before the Spring Festival this year. The claim amount for 0293 rice seed failure is more than 200 yuan per mu, and the amount of compensation varies from dozens of yuan to more than 100 yuan depending on the situation.

According to the field appraisal conclusion of Anhui Province Agricultural Committee, the important reason of yield reduction and non-harvest of "Liangyou 0293" rice seed is natural disaster. How to minimize losses for all parties in the face of natural risks? Why does this Anhui local disaster only compensate 330 yuan per mu at most? How to establish a more effective catastrophe risk dispersion mechanism? The reporter interviewed experts on this.

Why only 330 yuan per mu at most?

Insurance only covers cost but not output value, compensation proportion is linked to growth stage

Chang Xiuliang, a farmer in Xiaowu Town, Wuhe County, Bengbu Ciyt, opened a seed shop named "Chang Liang Agricultural Materials Store". "Liangyou 0293" has been sold since 2008 and is the main product. Chang Xiuliang's own 60 mu of land is also "Liangyou 0293","Since 2008 began to use it, In previous years are very good, Per mu yield has more than 1000 jin, Last year average down only more than 100 jin, Many plots are not harvested."

The insurance company made claims to Chang Xiuliang and other farmers according to regulations. "Guoyuan Insurance Company's claim settlement efficiency is very high. After on-site investigation, in February this year, the claim settlement fund has been transferred into farmers 'agricultural supplement card, with an average of about 120 yuan per mu, making up for a small part of the loss in the first time." Chang Xiuliang roughly calculated, planing labor cost, pumping water, seed, fertilizer, harvesting and other expenses per mu of land will cost 890 yuan in total, insurance company compensation 120 yuan, or there is as much as nearly 800 yuan loss.

Why did most farmers get only 200 yuan per mu this time?

"The compensation of crop insurance is related to the growth stage of the crop at the time of the disaster." Tuo Guozhu, professor of Capital University of Economics and Business, introduced that rice insurance is divided into four stages: seedling stage, growth stage, heading stage and seed setting stage. The disaster of Anhui rice occurred in heading stage, so the compensation amount is 80% of the total insurance amount. According to the insurance amount of 330 yuan/mu, it is reasonable for insurance companies to compensate more than 200 yuan per mu for the lost land. From the farmer feedback, we do not have much objection to the insurance company's performance results.

"For seed companies, compensation is only humanitarian, not insurance compensation." Tuo Guozhu said. Longping Gaoke also believes in its response that the company has no liability at the legal level, but the company has been discussing possible rescue plans with representatives of affected farmers, dealers and agricultural management departments.

At present, China's agricultural insurance covers 1.5 billion mu of main crops, accounting for 61.6% of the country's crop planting area. On the whole, the compensation level of agricultural insurance is still very low. The most prominent problem is that agricultural insurance only guarantees the materialized cost of agricultural production-seeds, fertilizers and pesticides, not crop output value.