Fasten the "seat belt" of agricultural insurance

The subsidy of insurance premium for greenhouse insurance of melons and vegetables has been raised to 80%.

Haikou cooperative saves half of its own premium.

"this time, the Haikou Municipal Government has increased the proportion of premium subsidy for vulnerable melon and vegetable greenhouse insurance to 80%, which is of great significance to the development of greenhouse vegetables in our cooperatives." I heard that the government has issued a policy to increase insurance support for agriculture. The person in charge of the Tanlongwan vegetable planting professional cooperative in Sanmenpo Town, Haikou City, Hainan Province, said that in the past, the cooperative had to pay 40% of its own premium, but now it only needs 20%. In particular, according to the new policy, if a single loan of 1 million yuan, the full discount interest cooperatives can save 40, 000 yuan per year.

"getting rich for many years and returning to poverty in one disaster" is a major bottleneck restricting the development of agricultural economy in Hainan and even the whole country. In this regard, Hainan launched a pilot project of policy-oriented agricultural insurance in 2007. At present, Hainan Province has launched 14 types of agricultural insurance, including rubber tree wind disaster insurance, southern seed production insurance, tobacco insurance and other typical Hainan characteristics.

This "implementation opinion" calls for guiding insurance companies to expand the scope of agricultural insurance and increase the scope of agricultural insurance urgently needed in Haikou City. Before the Haikou disaster, the greenhouse was about 2800 mu, and the typhoon suffered a loss of 1900 mu. Among them, the greenhouse buys insurance of 550mu, and has received 11.168 million yuan in compensation after the disaster. According to reports, before that, the proportion of insurance premium subsidy for one mu of greenhouse in Haikou City was 60%, provincial finance 40%, municipal finance 20%, and farmers themselves 40%. After this policy adjustment, it is equivalent to only 20% paid by farmers themselves, which is actually reduced by half.

It has always been the wish of the Hainan provincial party committee and government to help farmers get rich with the help of micro-loans. Micro-loan discount work has been listed as one of the top ten livelihood events in Hainan Province for two consecutive years.

In 2007, Hainan Province launched a pilot project of microfinance, and pioneered the method of combining government financial discount with microcredit. At present, the amount of discount farmers' small loans has been increased from 50, 000 yuan to 100000 yuan, the use has expanded from the field of production to the field of life, farmers' small loans for self-built housing have also been included in the scope of discount.

Previously, the financial funds of Sanya, Qiongzhong, Wuzhishan, Lingshui, Baoting and other cities and counties fully discounted interest on microloans. The "implementation opinions" of Haikou City put forward that the discount standard for farmers' small loans should be raised. Farmers registered in this city and farmers' professional cooperatives registered in this city all apply full discount interest on agriculture-related micro-loans at the annual benchmark interest rate.

Industry analysis, each farmer 100000 yuan, according to the previous financial annual benchmark interest rate discount policy, the interest rate of financial subsidy is 5%, but the loan interest rate may be 7%, the farmers themselves pay 2%. If the interest rate of financial subsidy for farmers' professional cooperatives is 3%, but the loan interest rate may be 7%. After this new policy, the annual benchmark interest rate has been fully discounted with full financial subsidies. The implementation of the new policy will greatly reduce the loan burden of farmers, especially the burden of farmers' cooperatives. According to industry estimates, if a single loan is 1 million yuan, the full discount cooperative may save 40, 000 yuan of interest each year. With such a policy, members of co-operatives are more motivated to develop their economy. (bright)

Zhongku Cooperative pays agricultural insurance money to its members.

Recently, members of Zhongku planting Professional Cooperative in Xidayao Town, Liaoyang City, Liaoning Province are very happy because more than 100 members received agricultural planting insurance in 2013.

On the day of the distribution, the hospital of Zhongku planting Professional Cooperative was crowded, where hundreds of members lined up to receive insurance benefits for 2013. A member of the Zhongku planting Cooperative said, "I am very happy to receive the agricultural planting insurance fund today. I am very grateful to the planting cooperative for getting agricultural insurance for us free of charge, so that we have no worries about farming."

In July 2013, due to the influence of the wind disaster, the corn fields of Zhongku planting professional cooperatives were affected to varying degrees. Fortunately, the cooperatives have taken out agricultural planting insurance for the vast number of members and received compensation from insurance companies according to the disaster situation. Effectively reduce the disaster losses and ensure the economic interests of farmers.

It is understood that the Zhongku planting Professional Cooperative will also issue agricultural planting insurance to the remaining 280 members one after another, with an insurance amount of more than 300,000 yuan. (Gao Yanbing, Wang Xin)