How can agricultural insurance become "Tang monk meat"

The agricultural insurance policy that called for her to come out shyly could not fall to the ground when agriculture was hit, and the "encounter" of 240000 mu of "insured" corn after the disaster in Sheqi County was really confusing. at the same time, it also exposed some deep-seated problems that need to be solved urgently in the implementation of agricultural insurance policy.

Henan Province began to implement the agricultural insurance policy in 2007, and has been implementing it in the way of "government guidance, market operation, voluntary, coordinated promotion" and "low security, wide coverage" in accordance with the central policy. Among them, "government guidance" is to use financial funds to subsidize the premiums of farmers' participation in agricultural insurance. According to the statistics of relevant departments, from 2007 to 2012, financial departments at all levels in Henan provided a total of 2.479 billion yuan for agricultural insurance subsidies.

However, in the actual operation, on the one hand, due to various reasons, it is difficult to "insure" agricultural insurance; on the other hand, it is even regarded by some people as "Tang monk flesh". By falsifying figures, compiling false statements, making false compensation cases and other ways to obtain subsidy funds for agricultural insurance.

In 2012, the Audit Office of Henan Province found in the audit of the implementation of planting insurance policies in 14 provincial financial directly administered counties that some townships and insurance companies colluded and embezzled the financial subsidy funds of planting insurance in the name of farmers. Among them, township governments, village committees, insurance company staff or other personnel in 12 counties received 31.57 million yuan in financial subsidies for planting insurance and 5.89 million yuan in claims for planting insurance.

According to the Henan Provincial Insurance Supervision Bureau, during the period from January 1, 2012 to December 31, 2012, Nanyang Central Branch of China United Insurance Co., Ltd. when underwriting winter wheat insurance in Yugang Village, Yingzhuang Town, Wolong District, Nanyang City, fictitious insured farmers, falsely increased the insured area, the company's agents unexpectedly used their own bank cards to pay 14600 yuan insurance premium, its purpose is clear.

In 2013, the Zhumadian Yicheng District Procuratorate investigated and dealt with 12 village cadres and insurance company personnel in Humiao Village in the area, using the same means of fraudulently paying insurance premiums in the name of farmers, fabricating insurance information, and fabricating false insurance compensation cases. defraud insurance subsidy funds.

Although these cases are only a few, the problems exposed are thought-provoking: what on earth made these institutions "bold" and regarded agricultural insurance as the "flesh of Tang monks"?

The core is also the lack of regulation. It is true that the agricultural risk of commercial insurance companies is further from the market-oriented operation, but the lack of supervision will also bury hidden dangers. According to the regulations on Agricultural Insurance, "the insurance regulatory body of the State Council shall supervise and manage the agricultural insurance business". However, because there is no dispatched office of the Insurance Supervision Bureau below the provincial level, it is difficult to supervise commercial insurance companies.

On the other hand, grass-roots governments also have problems in supervision. According to the regulations on Agricultural Insurance, "relevant departments such as finance, agriculture, forestry, development and reform, taxation, and civil affairs shall be responsible for the promotion and management of agricultural insurance in accordance with their respective duties." According to theory, with so many units in charge, it should not be difficult to promote agricultural insurance work. However, a cadre of the Sheqi County Finance Bureau said that grass-roots financial departments have no way to supervise the business behavior of insurance companies, and most of the time they are only playing the role of statement examiners and fund-raisers. Grass-roots agricultural departments are even more unable to supervise, because there is no relevant legal authorization, they can only "stare" at the violations of insurance companies.

In recent years, due to the strengthening of the audit, inspection and supervision of agricultural insurance, similar illegal acts of collusion to defraud insurance subsidy funds have been initially curbed, but there is still a long way to go to "completely eliminate". We must further straighten out the mechanism and system, improve the supervision and supervision system, and further strengthen policy research to ensure that the agricultural insurance policy that benefits the people can really solve the worries of farmers.