Severe drought calls for Agricultural Insurance to protect Grain production

Since August 4, the severely arid area in the west of Zhumadian City, Henan Province, began to cut corn that had no harvest by machine. "it will be the Beginning of Autumn on the 7th, and the season has come; even if it is watered, it will not bear sticks. (corn) grows in the field and consumes energy; machine cutting crushed corn stalks to return to the field, but also can raise the land, waiting for wheat to be planted in October. "

Since July, there has been a large-scale drought in many parts of our country. in Henan, a province with a large yield, the drought area of autumn grain in Henan province has reached 23.1 million mu, and the affected area of autumn grain is still expanding at the rate of 2.3 million mu every day. Among them, mild drought 17 million mu, severe drought 6.1 million mu, mainly distributed in Pingdingshan, Xuchang, Zhengzhou, Luoyang, Anyang, Hebi and other cities.

In recent years, the yield reduction caused by natural disasters in wheat and maize production has been one of the problems perplexing farmers, but also greatly suppressed the enthusiasm of farmers to cultivate land. The powerful way to reverse this situation is policy-oriented agricultural insurance.

Policy-oriented agricultural insurance refers to the insurance carried out by insurance companies for specific crops and specific breeding varieties subsidized by the government. Carrying out policy-oriented agricultural insurance and establishing a government-supported agricultural insurance system are conducive to the construction of a market-oriented agricultural support and protection system and enhance the ability of agriculture to resist risks. However, agricultural insurance is risky, the cost is high, the price is much higher than other property insurance, and farmers with low income cannot afford it at all. In order to improve the enthusiasm of farmers to participate in insurance, it is necessary to further increase the proportion of financial subsidies.

In addition, because the incidence of drought is higher than that of other disasters, and the impact on agriculture accounts for a large proportion of the impact of all disasters, insurance companies in some places have excluded drought from the scope of agricultural insurance for a long time, which in turn affects the enthusiasm of farmers to participate in insurance.

For this reason, the relevant departments must pay attention to improving the agricultural reinsurance system and establishing a catastrophe risk dispersion mechanism supported by financial support. As stipulated in the regulations on Agricultural Insurance, the state establishes a financial-supported agricultural insurance catastrophe risk dispersion mechanism, and encourages local governments to establish a local financial-supported agricultural insurance catastrophe risk dispersion mechanism.

Every time a catastrophe causes farmers to suffer huge losses, the "timely rain" of agricultural insurance will be longed for; the scene of farmers shoveling away the last harvest of corn in tears is undoubtedly an affectionate call for agricultural insurance.