Agricultural insurance is "hunted"

In 2015, the national agricultural insurance realized 37.47 billion yuan of premium income, about 230 million insured households, and provided nearly 2 trillion yuan of risk protection. The reporter recently investigated and learned in Guangdong, Hunan, Anhui, Jiangxi, and Heilongjiang provinces that agricultural insurance for supporting and benefiting farmers has relieved a large number of farmers of their worries, but in some areas it has become a "cash machine" for some criminals, and the leakage effect of the policy is worrying.

The problems of false guarantee, false guarantee and substitute guarantee occur frequently.

In order to give full play to the role of policy-oriented agricultural insurance in supporting and ensuring agriculture, governments throughout the country have given a large number of subsidies to policy-oriented agricultural insurance in recent years, ranging from 10% to 90% according to different types of insurance. The huge subsidies in some places have become coveted "fat meat" by individual illegal grass-roots cadres and insurance companies, and they obtain funds by means of false insurance, fake insurance, substitute insurance and other means, and the risk of corruption shows the characteristics of crime and concealment.

Participate in "fake insurance" in the name of others. In the process of handling the policy-oriented agricultural insurance of a county in Henan Province in 2014, Tian Moujia, manager of the marketing department of a certain joint financial insurance company, instructed the employees of the company to fake agricultural insurance insurance in the name of villagers, taking out 128736 yuan of subsidy funds for agricultural insurance at the central, provincial and county levels. Afterwards, in order to realize the premium advanced by village cadres and the promised good treatment fee, they also defrauded 114293 yuan of insurance claims by means of false claims.

Make up the subject-matter insured or deliberately exaggerate the scale of the subject-matter insured. From 2013 to 2015, Wu, former director of a town animal husbandry and aquatic products service center in a county of Anhui Province, took advantage of his position in charge of on-site investigation of claims for breeding sows, and reported the insurance data and insurance premiums of breeding sows in the name of 24 relatives, falsely reporting the amount of breeding sows and making false reports. The town reported 97 cases of sow insurance in 2013 and 29 cases in 2014, defrauding insurance companies of 125000 yuan.

The grass-roots government, insurance companies, and farmers conspired to "substitute insurance": in order to cope with the assessment of agricultural insurance tasks, individual grass-roots governments contributed advance insurance premiums, and insurance companies returned the insurance premiums borne by grass-roots governments and farmers by way of insurance accident claims, to obtain agricultural insurance subsidies from the central and provincial governments.

A case investigated and dealt with by the people's Procuratorate of a county in Hunan Province in recent years shows that the premiums for early rice agricultural insurance in this county are borne by the central government and provincial, county, and peasant households according to the proportion of 70%, 5%, and 25% respectively. However, in practice, the finance of a town in the county has advanced 5% of the premiums that should be borne by the county, and the town or part of the village-level finance has advanced 25% of the insurance premiums borne by farmers, and the insurance company then returns 30% of all insurance premiums to farmers in the form of false claims, and then the town government returns 5% of them to the town finance and 25% to the town or village finance.

Why does the operation of "over the red line" come from?

Grass-roots cadres and masses believe that the frequent corruption in policy-oriented agricultural insurance is closely related to the weakening of the business management of towns and villages of insurance companies, and the double squeeze of local performance assessment and financial pressure aggravates the impulse to "step on the red line." on the other hand, farmers as policy-holders often lack supervision awareness and supervision channels.

Town and village cadres and part-time helpers are the "last kilometer" of agricultural insurance at present. "our company has 1000 employees directly engaged in agricultural insurance, accounting for 70 per cent of the total number of employees, 70 per cent of whom work in county-level institutions." Shen Guangbin, deputy general manager of the agricultural insurance department of Anhui Guoyuan Agricultural Insurance Co., Ltd., said that the company is equipped with 1-2 part-time assistant insurers in each township and at least one part-time assistant in each administrative village, bringing the total number of helpers in the province to 18000.

The reporter learned that most governments have shifted the task of policy insurance down layer by layer, and the ultimate responsibility for direct implementation falls on town and village cadres, who want to complete the task of agricultural insurance coverage arranged above, and can also get certain subsidies from insurance companies. "the scope of risk control is too wide, the number of assistant insurers is too large, and business training is insufficient, so it is often difficult to completely put an end to the phenomenon of good relatives and friends, misreporting the area of loss, and so on." Said the head of the agricultural insurance business of an insurance company in Guangdong.

Major agricultural provinces are often financially tight, and they not only have to pay a large amount of funds to subsidize agricultural insurance premiums, but also to complete the assessment of agricultural insurance coverage, and the impulse of some grass-roots cadres to "step on the red line" is intensified under double pressure. Take rice insurance as an example, in some places, rice insurance coverage is required to reach more than 90%, and one vote veto or deduction of wage performance cannot be completed. A deputy director of the Agriculture Bureau of a prefecture-level city in Guangdong said that there are more than 3 million mu of rice in the city, and this alone has to bear a premium subsidy of more than 6 million yuan, and the finance is stretched.

"the proportion of agricultural insurance premiums needs to be borne by farmers, but some farmers go out to work, while others are unwilling to pay. In order to collect the insurance premium of a few yuan per mu, I have to ride a motorcycle several times to collect it. The money collected is not enough to burn fuel money. Very often, I would rather pay the insurance premium to the farmers myself in order to complete the assessment task so that the bonus will not be withheld. " Said a township cadre in charge of agricultural insurance promotion in Maoming City, Guangdong Province.

Some farmers' insurance awareness is still weak, not only lack of awareness of active supervision, but also lack of supervision channels. The reporter conducted a survey in 5 provinces and 10 counties across the country and found that there are still quite a number of farmers who do not understand agricultural insurance at all, very few people understand the loss rules and compensation standards of agricultural insurance, and most of the public underwriting and compensation information is still in the form of notices posted on village committees.

The head of an insurance company specializing in agricultural insurance in Guangdong said: "one of the main reasons for the high profit margin of rice insurance in some insurance companies is that they simply do not pay in accordance with the prescribed standard, and most farmers are not aware of this standard." the insurance company will pay as much as it says. "

Liang Yiquan, a villager of Mingtang Village, Beijie Town, Xinyi City, Guangdong Province, said that some administrative villages have a size of several square kilometers and more than 1000 households, while the information of public underwriting and compensation is only posted at the door of the village committee, and the time and effect of the publicity cannot be guaranteed. I don't know the information, let alone supervision.

The treatment of corruption by agricultural insurance requires heavy punching and serious action.

In recent years, the number of varieties, coverage and insurance amount of agricultural insurance have continued to increase, and the amount of financial subsidies to agricultural insurance at all levels of finance has also increased accordingly. New types of agricultural insurance such as weather index insurance and price index insurance are welcomed by the market and play an irreplaceable role. Experts and grass-roots cadres believe that agricultural insurance will play a huge role in promoting agricultural supply-side reform and realizing agricultural modernization.

All insurance companies engaged in agricultural insurance shall strengthen the supervision over the agricultural insurance business of town and village cadres and grass-roots insurance salesmen. The person in charge of the Heilongjiang Insurance Supervision Bureau said that all localities should urge agricultural insurance agencies to strengthen the management and training of a large team of grass-roots assistant insurers, revise the rules for underwriting claims of agricultural insurance, and promote the standardization and standardization of agricultural insurance business. To maintain the high pressure of supervision and carry out special inspection of agricultural insurance irregularly, we should not only investigate and deal with illegal problems such as false data on underwriting claims and untrue operating expenses, but also strictly investigate and deal with violations that violate business procedures and standards, and strictly standardize the order of the agricultural insurance market.

The higher-level government shall bear the supporting insurance premiums to be paid by farmers, large agricultural counties and financially poor counties. Yao Yunfei, deputy director of Anhui Agricultural Insurance Office, and others suggested improving the policy of premium subsidy for policy-oriented agricultural insurance and further reducing the financial subsidy burden of premiums in major grain counties and poverty-stricken counties. Integrate the use of agriculture-related financial funds, on the basis of farmers' voluntary insurance, constantly increase financial input, increase the proportion of financial subsidies for policy-oriented agricultural insurance year by year, and reduce the proportion of individual contributions of farmers. We will encourage the pilot project of policy insurance innovation for agricultural products with local characteristics and pillar agricultural products, and bring insurance types with certain brand effect and wide coverage into the catalogue of policy-oriented agricultural insurance products in the province.