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It is understood that while agricultural insurance popularization is in full swing and plays an important role in agricultural modernization, some insurance companies are blindly pursuing the scale of insurance premiums and profit targets, and even take the risk of financial subsidies, resulting in frequent agricultural insurance chaos.
In the field of agricultural insurance, 16 tickets were rushed to manage the chaos
[China Agricultural Machinery Industry News] Recently, the China Insurance Regulatory Commission imposed penalties on the construction of false information, false underwriting, false claims and other violations in the field of agricultural insurance, and issued 16 large-scale fines in history, totaling a fine of 457. Ten thousand yuan. The violations were mainly focused on the preparation of false information and the failure to enforce the filing rate.
In the field of agricultural insurance, 16 tickets were rushed to manage the chaos
Supporting agriculture, benefiting farmers and strengthening agriculture
Agricultural insurance is an important policy measure for the central government to support farmers and farmers. It aims to help farmers transfer disaster risks and achieve income stability. In 2016, the No. 1 Document of the Central Government proposed that agricultural insurance should be used as an important means to support agriculture, expand the coverage of agricultural insurance, increase the types of insurance, and improve the level of risk protection. Various insurance companies have worked hard to promote agricultural insurance and benefit a large number of farmers.
"In June this year, a hailstorm suddenly occurred. The rice in the field was damaged. The livelihood of one year was not counted. At this time, the insurer and the agricultural technicians in time arrived in the field to investigate the disaster situation and work hard. Helping rice, we finally saw hope." Ma Daye of Shixin Town, Panshan County, Liaoning Province said.
Uncle Ma also told reporters that the farmers here have been insuring crops from last year. Under the subsidies of the central and local governments, farmers only need to bear 20% of the premium. If the weather is met, the amount of the claim is determined according to the direct materialization cost incurred during the growth period. Even in the event of a disaster, at least it can be saved, and it will not affect the second year of planting.
In Hebei Province, in 2015, Hebei’s Muping County used only 3.91 million yuan of financial subsidy funds, which incited insurance funds of 10.0963 million yuan and obtained insurance protection of 1.143 billion yuan; premium subsidies expanded from policy insurance varieties. It has insurance for specialty industries such as jujube, walnut, beef cattle, meat sheep and broiler; the insurance scope has expanded from traditional disaster insurance to cost loss insurance and product quality liability insurance. Among them, in 2015, the People's Insurance Group of China paid insurance premiums of 14.83 million yuan in Zhangping, and directly benefited 201,000 farmers in 116 villages.
According to the data of the China Insurance Regulatory Commission, in 2015, agricultural insurance provided risk protection of 1.96 trillion yuan, accounting for 32% of agricultural GDP; a total of 26.008 billion yuan was paid, accounting for 9.7% of the direct economic losses of crops. Insurance claims have become farmers' recovery after disasters. An important source of funding for reconstruction in the disaster area. For example, in 2015, the extensive drought in Liaoning, agricultural insurance paid 1.5 billion yuan in compensation, and the local government basically did not allocate disaster relief funds.
However, due to the lack of profitability in agricultural insurance, some insurance companies are not very motivated to carry out agricultural insurance business, and some institutions have used their brains to get subsidies.
Management chaos
China's current agricultural insurance is subsidized by the government. Commercial insurance companies provide insurance products and services, including four typical types of insurance, such as crop insurance, livestock and poultry farming insurance, aquaculture insurance and forestry insurance. After the farmer pays the insurance, once the disaster is affected, the insurance company will make a loss claim. At present, the national premium subsidy for agricultural insurance has reached 75%-80%.
The government's financial subsidies are transferred to the truly affected farmers through scientific damage and insurance claims, which improves the efficiency of the use of fiscal funds compared with the previous “sprinkle pepper†rescue methods. According to industry insiders, the scale of China's agricultural insurance market has become the second largest in the world in Asia in 2014. "But the problem of insufficient coverage and insufficient product innovation still exists. There are even some insurance companies that have policy dividends and the emergence of financial subsidies."