Use "Internet +" to help farmers keep their wallets tight

Not long ago, an agricultural insurance expert talked about the problem that agricultural insurance claims were intercepted and could not fall into the hands of farmers.

He said: judging from the research in the past two years, the phenomenon of grass-roots agencies and village committee cadres intercepting and falsely claiming compensation for migrant farmers has never been prohibited. "some farmers affected by the disaster do not get the full amount of compensation, while others simply do not know that the insurance company has given the money. Agricultural insurance is a project that benefits farmers, and the state has provided a huge amount of financial support. as a result, the good policy has been wasted in the village committee! " He was very sad.

It is not just the rural insurance claims fund that has been eroded. Audit data show that in 2015, 41 grass-roots agencies and some village and town cadres fraudulently embezzled 14.4838 million yuan in subsidies for the renovation of dilapidated houses in rural areas by falsely reporting fraudulent claims, withholding deductions or collecting "deposit". In addition, according to media reports, the phenomenon of agriculture-related subsidies such as subsidies for returning farmland to forests, compensation for land expropriation and demolition, land reserved by villagers and compensation intercepted by grass-roots village committees are also scattered everywhere.

The poor management of the "last kilometer" of capital payment not only damages the interests of the villagers, but also undermines the fairness and fairness of grass-roots social governance.

How to plug loopholes and treat "giant rats"? In addition to the establishment of rules and regulations, strict discipline and accountability, you might as well consider getting on the "time Express" of mobile Internet. In June this year, Sihong County, Jiangsu Province, in the process of implementing precise poverty alleviation, cooperated with Alipay to collect 100 yuan for each of the county's 132600 poor people online to cover commercial insurance to protect the risks of major diseases, accidental injuries and house damage, and poor students admitted to high schools and universities can also receive subsidies of several thousand yuan. Over the past two months, more than 200 claims have been settled, with a total compensation of more than 710000 yuan, and education subsidies are still being paid out one after another. What is particularly commendable is that the amount and use of this public welfare donation are all "online". Insured farmers can inquire about the insurance policy at any time in their Alipay account on their mobile phones, and the claims and student grants are directly transferred to individual accounts.

In this process, the management department at the county level is the supervisor of the use of funds, the village committee is only the service to arrange the situation of the villagers, and the relevant personnel have never encountered "oil and water". From managing money to managing affairs, the successful transformation of government functions is commendable; individuals, enterprises and insurance companies who donated money made public the use of funds, and there was no hiding place for fraudulent donations, cherishing compensation and other means, and the reputation was commendable. The third-party payment platform makes money flow and broadens the market, at the same time, it makes farmers feel at ease, makes the government worry, and its reputation doubles. Such a "touch the net", to achieve a win-win situation.

According to this idea, at present, many farmers have smartphones in their hands, and most of them are based on real-name systems, and there are more than one or two mobile payment platforms. technically speaking, all kinds of agriculture-related subsidy funds and compensation can try to use the "network" to realize "peer-to-peer" payment with farmers. at the same time of realizing "peer-to-peer" payment with farmers, instant message prompts and public inquiry services are carried out at any time, whether the funds are transferred to the account or transferred. To prevent farmers' money from being falsely claimed or intercepted by others. At the same time, similar matters such as compensation for land expropriation and demolition and public announcement of insurance claims can also be posted in groups in the "rural circle of friends" on mobile phones, so that villagers from all over the world can carry out supervision. and raise questions and complaints through the mobile Internet platform.

Of course, to achieve such a beautiful "picture", there are still many problems to be solved. For example, after the payment function of part of the funds is handed over to the third-party platform, the supervision ability of the management department must keep up with the son, in order to ensure the personal information security of farmers and strictly prevent network telecommunications fraud. In addition, it should be made clear that the third-party payment platform must adhere to the principle of small-profit operation, ensure that the original interests of farmers are not discounted, and promise to make use of big data's advantages to feedback the payment of various funds, reflect the real demand of agricultural insurance and other quasi-public goods, and provide reference for management departments to adjust and improve policies.

The Internet has changed many things in this era, making us full of fear, curiosity and inspiring our courage. In order to return every penny that farmers deserve to the warehouse, let "Internet +" give full play to it.