Recently, domestic share area suffers a loss because of big calamity, specific agriculture products and domestic animals are cast protect insufficient phenomenon to cause attention. Cast protect insufficient reason where to? What does need give aid to policy? The reporter undertook investigating in and other places of Shandong, Hunan, Hubei recently.
Before before long, suffer a typhoon " Wenbiya " influence, shandong province appears one round process of weather of big range strong precipitation, cause death of damage of big canopy of a few vegetable, domestic animals, basically center in peace of Wei lane, aid, He lustre 3 ground city.
The material of insurance guild shows the city of lane of a Wei that the reporter wins, cooperation of insurance device, folk was publicizing Wei lane city 2017 when index of price of promotion live pig is safe, lane child area, gorge is a mountainous area breed door more than 3000, only 19 attend insurance.
Cast protect rate why such low? Guild of insurance of Wei lane city expresses, agricultural policyholder group is dispersive, and risk consciousness is not strong, add plant nearly keep the specified number inferior, affected a farmer cast defend initiative.
Reporter investigation understands, besides insurance consciousness not strong, long, compensate pays manage compensate time mark allow what low problem also reduced a farmer to cast defend initiative, make agriculture is sure to cannot develop agriculture to produce in the moment of truth " stabilizer " action.
Hubei saves one family farmer to tell a reporter, because meet with,wheat of his wife and children is in this year between harvest successive rainfall is stricken be hit by a natural adversity, crop and character drop, sale price also is reduced considerably, gross deficit many yuan 50.
"Spent about 40 thousand yuan this year, to many mus 2000 wheat bought insurance, stricken be hit by a natural adversity hind, insurance company is gross compensate near 60 thousand yuan. " he says, convert comes down, every mus with respect to compensate many 10 money, when doing not have calamity, qian Bai was handed in, when having calamity, compensate Fu Tai is little.
Hunan Province cultivates large family to say to the reporter, have in manage compensate flow " reach after survey of insurance personnel spot protect door offer undertake compensate pays inside 10 weekday after data is complete " regulations, flow looks be like very fast, but actual in time still is shown long, cultivate a domain especially, delay farming season very easily. In the meantime, insurance personnel number is limited, insurance company is engaged in every county of farming danger most 56 people, once appear large area is stricken be hit by a natural adversity, when insurance personnel arrives after every spot survey, at least 10 days went, the farmer gets compensate pays also want time of a month the most quickly.
Agriculture is sure to breed a domain to return existence scotoma in a lot of kinds. Annulus of Cai Li of director of bureau of a mountainous area agriculture says conspicuous of in relief city of Hunan Province beneficial, produce of characteristic of a few places is planted nearly limits confine, have not large area is pushed. Although have exploration,be sure like the characteristic such as orange of lotus seed, vegetable, hilum, but dimensions is lesser, and aquiculture still did not bring into insurance insurance coverage.
As agricultural modernization the process is accelerated advance, agricultural production manages change to measurable dimensions stage by stage, the risk sort that the industry faces is complex with each passing day, risk n is increased with each passing day, urgent need gets what be sure to agriculture to support energetically.
"The principle with safe agriculture of current policy sex is ' low safeguard, wide enclothe ' , the proposal undertakes the function locates afresh. " branch of Hunan of danger of China combination money says about chief, "Low safeguard " make after agricultural disaster happens, the farmer cannot get compensate of full specified amount pays. To come true " tall safeguard " , can expand commercial insurance, with policy sex agriculture insurance is not had seam join.
The personage inside many course of study expresses, danger of central finance allowance is planted is a large amount of produce of relation the national economy and the people's livelihood mostly, can bring into local characteristic produce limits of central finance allowance appropriately, in order to satisfy the insurance requirement of farmer.
Zhu Jun of professor of institute of finance of research center of development of the State Council is unripe say, in recent years the amount of breed of allowance of insurance of our country agriculture increases in year after year, but still remain at be being perfected further, especially local characteristic crop, the vegetable with for instance smooth birthday, and product of characteristic breed aquatics is sure to wait.
In investigation, a few insurance company also are mirrorred, the reserve with current safe agriculture basically is the insurance company that runs farming risk business from insurance cost perhaps extract in profit, but this can't answer current risk far, although be accumulated before a few years somewhat, but big calamity takes the likelihood entirely went in.
The silver-colored meeting that keep watch expresses about sectional chief, sheet relies on insurance company to buy reinsurance means to manage a risk to make sure agricultural insurance is dovish very hard dispersedly through oneself manage, should accelerate build arrive from the country provincial to insurance company mutiple level participation big calamity risk is dispersive mechanism.
Reporter Tan Moxiao, Zhou Nan, Hou Wenkun
