From a loss of 1.3 million yuan to a price of 300,000 yuan, farmers can grow vegetables at ease

"Chinese chives could be sold for 2 yuan per kilogram at the beginning of April, but dropped to 1.2 yuan per kilogram at the end of that month. Who would have thought that the market was so depressed this year? in mid-May, leeks could not even be sold for 50 cents per kilogram." Since the beginning of this year, the sharp drop in the price of leeks has made Zhu Le, chairman of the Chule Agricultural Professional Cooperative in Yongning County, miserable. "if it goes on like this, this year's 180mu of leeks will lose 600000. What am I supposed to do?" Just when Zhu Le had "no way to go", a sudden remittance of 170000 yuan on his bank card made him both happy and surprised.

Looking at this "unknown money", Zhu Le thought about it and finally remembered that in early April this year, he had insured his 100-acre leek at a premium of 60 yuan per mu. Upon inquiry, it was his original decision that gave him a chance to "catch his breath". "fortunately, with the vegetable price insurance, the insurance company called the claim so quickly, otherwise I don't know how to live the rest of my life. Without this price insurance in 2014, I planted so much that I lost 1.3 million all of a sudden. This year, the price insurance gave us the bottom, and my loss was basically recovered. Thanks to the government and insurance companies. " Zhu Le said.

What brings Zhu Le luck is the vegetable price insurance, which can solve the problem of "cheap vegetables hurting farmers". In recent years, vegetable prices seem to ride a roller coaster, often with ups and downs. After "garlic is ruthless" and "Jiang your army", there is often a period of low prices. It is not uncommon that cheap vegetables hurt farmers and expensive vegetables hurt the people. In order to solve the above problems, Yinchuan City has officially launched the pilot work of vegetable price insurance since 2015. when the actual selling price of agricultural products is lower than the target price, subsidies will be given to farmers according to the difference to help farmers avoid market risks. Up to now, Yinchuan City has carried out vegetable price policy insurance for 11 varieties, including chili peppers and tomatoes, in nine cities and counties (districts), including Helan and Yongning, covering an area of nearly 10,000 mu, involving 575 households. according to the situation of last year, the simple compensation rate reached 280%. "I heard that I could still get more than 130000 mu this month. I really regret that I only insured 100 mu, otherwise I could really reduce the loss to a minimum." Zhu Le said regretfully.

It is understood that the "target price of vegetables" refers to the insurance price of insured vegetables. The target price is determined with reference to the average production price of insured vegetables during the natural concentrated listing period of 3 ~ 5 years. During the insurance period, when the average production price of insured vegetables is lower than the target price, the insurance company will pay compensation to the insured in accordance with the contract.

As for how to settle claims, Zhao Yaohua, general manager of the Agricultural Insurance Department of Ningxia Branch of China Ping an property Insurance Co., Ltd., said that when the actual selling price of agricultural products is lower than the target price, subsidies will be given to farmers according to the difference; when the actual selling price is higher than the target price, no subsidy will be granted. The insurance period is limited to the concentrated listing period of vegetables, mainly because during this period, there is often a substantial increase in market supply, a significant decline in vegetable prices, farmers face the greatest price risk, but also prone to the problem of "cheap vegetables hurt farmers".

However, there are not many people like Zhu Le who rely on vegetable price insurance to make a comeback, and more vegetable farmers do not participate in the insurance because of concerns. "when our joint insurance company publicized in Yongning County, 100 people came to the meeting. After some introduction, only two people signed the insurance." Lu Zhenhua, head of the vegetable section of Yinchuan Agriculture and Animal Husbandry Bureau, said that one of the two men was Zhu Le and the other was Yang Jinli, but he only insured 1 mu of tomatoes.

"at first, people always thought that the money would go down the drain. I also had a try. I planted 10 mu and only insured 1 mu." Yang Jinli, who lives in Yanghe Town, Yongning County, now regrets that the insured 1 mu of tomatoes has been subsidized and the rest can only be sold cheaply. "vegetable prices are good and bad, but with insurance, you can recover the cost, and you won't be nervous about growing vegetables in the coming year." Yang Jinli said that vegetable price insurance gives farmers the confidence to continue to grow vegetables, and he will definitely insure all tomatoes in the coming year.

The news that Zhu Le and Yang Jinli have been paid for vegetable price insurance has spread like wildfire. Now, seeing the real settlement of claims, in Yongning County, more vegetable farmers want to cover themselves through vegetable price insurance. "seeing that I took the indemnity payment, more than 60 vegetable farmers in Murakami raised a total of 140000 yuan and asked me to help me find out about the insurance." Zhu Le said happily that if every vegetable farmer had insurance, everyone would no longer be afraid to grow vegetables.

It is understood that in order to increase the willingness of vegetable farmers to participate in insurance, encourage more vegetable farmers to actively take out insurance, and turn post-disaster assistance into pre-insurance and mutual assistance, 90% of the insurance premium for vegetable farmers in our city is borne by the government price adjustment fund, while vegetable farmers only need to bear 10% of the cost. "vegetable cultivation is a traditional advantageous industry in our city. The repeated difficulties in buying and selling vegetables have not only caused huge losses to vegetable farmers, but also become a prominent problem restricting vegetable farmers to shake off poverty and become rich." Lu Zhenhua said that the coverage rate of vegetable price insurance in our city is low, and vegetable farmers urgently need suitable insurance products to help them prevent and defuse market risks. To carry out vegetable price insurance on a pilot basis is to combine price control policy with market insurance so as to stabilize vegetable farmers' planting expectations, prevent vegetable price risks, enhance vegetable production stability and protect vegetable farmers' interests. "next, our city will increase support by establishing a long-term mechanism for agricultural disaster relief, so as to allow more vegetable farmers to participate in insurance and strive for full vegetable price insurance coverage." Lu Zhenhua said.