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"With the introduction of the '13th Five-Year Plan' of the insurance industry, the strategic positioning of the insurance industry has undergone a fundamental change, and the development foundation of the insurance industry has been fundamentally improved. In the next few years, it will be a golden opportunity for the development of professional agricultural insurance companies. "An insurance related person recently said. 
[China Agricultural Machinery Industry News] At present, the development of agricultural insurance presents three characteristics: First, agriculture and “mass entrepreneurship, innovation†demand for risk protection is more prominent; second, the agricultural industry has higher demand for insurance financing, insurance funds It is a safe and static fund that can better meet the needs of agriculture for modern funds. Third, the demand for information services in the entire industrial chain of agriculture is higher.
The development of agricultural insurance development "two hot and cold" transformation is imminent
It is worth noting that an agricultural insurance person told reporters that the development prospects of agricultural insurance are good, but the current problem is that “the two sides are hot and coldâ€, that is, the state has sufficient financial subsidies and the farmers’ demand is strong, but the county and municipal funds cannot guarantee the farmers. There is no problem with the national demand for financial insurance, and the shortage of funds at the county and city levels has become a bottleneck in the middle.
In addition, agricultural insurance has a strong professionalism and complex links, and it is easy to breed problems in the middle. On September 5, the China Insurance Regulatory Commission issued 16 penalties for decision-making, all on violations of laws and regulations on agricultural insurance. Among them, the market share of PICC P&C insurance was large, and the number of tickets received was also half.
From September 6th to 7th, the National "Internet" Modern Agricultural Work Conference was held in Suzhou. At the "Rural Finance and Insurance" sub-forum, the Deputy Minister of Agriculture Qu Dongyu pointed out that with the advancement of agricultural scale development, China's agriculture must Drawing on the experience of foreign advanced agricultural insurance, we will continue to promote the transformation and upgrading of agricultural insurance. The Ministry of Agriculture is willing to work with insurance institutions to promote insurance product service innovation and better serve agricultural development.
In recent years, the country has successively introduced favorable policies, which are very beneficial to the development of agricultural insurance. According to the summary of the Central Plains Agricultural Insurance, from 2014 to the present, the State Council’s “Opinions on Accelerating the Transformation of Agricultural Development Modeâ€, the Ministry of Finance and the Ministry of Agriculture’s “Guiding Opinions on Adjusting and Perfecting Three Agricultural Subsidiesâ€, the Ministry of Finance The “Notice on the Agricultural Insurance System of the Three Major Grain Crops in the Grain County†and other policies clearly put forward the opinions on accelerating the development of agricultural insurance. In addition, the central government is coordinating the implementation of the “15 X†premium subsidy model. In addition to the 15 national subsidy varieties, local governments can also choose one or several types of special agricultural products and pillar agricultural products, and enjoy the central financial premium subsidy or award. Substitution policy.
At the same time, the "Notice of the State Council on Printing and Distributing the Inclusive Pratt Financial Development Plan (2016-2020)" stated that "we strive to increase the coverage of agricultural insurance farmers to more than 95%" and "support insurance companies to develop county markets." It has set up provincial-level branches and various branches in the central and western regions to moderately relax conditions and give priority to approval.
Li Jinfu, general manager of China Taiping Insurance Group, said that the current development of agricultural insurance presents three characteristics: First, the demand for risk protection in agriculture and “mass entrepreneurship and innovation†is more prominent; second, the demand for insurance financing in the agricultural industry is higher. Insurance funds are safe and static funds, which can better meet the needs of agriculture for modern funds. Third, the demand for information services in the entire industrial chain of agriculture is higher.
"We believe that these policies are of major interest to all insurance companies that operate agricultural insurance business." The Central Plains agricultural insurance related person told reporters that in recent years, China's agricultural insurance has developed rapidly and has become the second largest in the world. Large agricultural insurance market, but compared with the United States, a large agricultural insurance country, although China's agricultural insurance is growing strongly, it is still in the early stage of development, and the underwriting ratio is still not high. There is still a lot of room for development and the development prospects are promising.
Anwar Agricultural Insurance said that in recent years, the state has actively promoted the promotion of agricultural insurance. In particular, this year’s Central Document No. 1 puts the “improvement of the agricultural insurance system†as a separate point, and proposes to actively develop insurance products that meet the needs of the new agricultural business. This laid the foundation for agricultural insurance companies to explore various types of agricultural insurance innovation. As the insurance industry upgraded to the national development strategy level, the development of China's insurance industry took off again. In 2015, China's insurance industry developed strongly and agricultural insurance grew rapidly. According to the 2015 insurance statistics of the China Insurance Regulatory Commission, the original insurance premium income of agricultural insurance was 37.490 billion yuan, a year-on-year increase of 15.08%. It can be seen that agricultural insurance has a far-reaching prospect.
"In recent years, the policy is very good, and the demand for agricultural insurance is strong, but the pain point in the development of agricultural insurance has yet to be solved." A relevant person in charge of a professional agricultural insurance company told reporters that the current domestic agricultural insurance market is mainly policy-oriented. Insurance, and the subsidies for policy insurance are divided into three levels: national, provincial, and county. The subsidy ratio is 4:4:2. The premise of the subsidy is that the farmer purchases, and then reports it step by step. First, the county determines the premium amount, followed by Provincial, municipal, and state financial subsidies. "The current problem is that farmers are actively involved in insurance, and the state has financial support, but the provincial, city, and county subsidy budgets are limited, which has caused the state of 'two hot and cold.'"
According to a person from a professional agricultural insurance company, the current province with high agricultural insurance coverage is Anhui, which is almost 80% to 90%, which depends on the support of the local government; in other regions, it is about 50% or even insufficient. This number.
Benefiting from the stimulation of national policies and market demand, property and casualty companies are getting hotter. However, according to industry insiders, the professional degree of agricultural insurance is relatively high, and the intermediate links are complicated. In addition, the operation of agricultural insurance is greatly affected by the annual situation. If the years of typhoon and hail disasters such as 2012 or this year enter, there is no experience and Preparation is very likely to cause huge losses.
"At present, the development of China's agricultural insurance has gradually entered the fast lane. It can be said that it is a booming trend, including index insurance, price insurance, insurance futures, etc. Various types of agricultural insurance innovations are emerging one after another. The development of agricultural insurance urgently needs to solve the agricultural insurance profession. There is a shortage of talents and a lack of data experience." Anhua agricultural related person told reporters.
According to the relevant persons of Zhongyuan Agricultural Insurance, in recent years, China's insurance industry has developed rapidly, and agricultural insurance has also shown a steady development trend. However, compared with the secondary and tertiary industries, agriculture is vulnerable to natural disasters. Agricultural insurance has the characteristics of low insurance coverage, low security, low fees and high costs, high risks and high compensation. This “three highs and three lows†is very To a large extent, it affects agricultural insurance, and to a certain extent, it also restricts the development of agricultural insurance.
On September 5, the China Insurance Regulatory Commission opened 16 tickets and cracked down on the chaos of agricultural insurance. The problem is mainly related to agricultural insurance underwriting, claims and finance. It involves 5 property insurance companies, namely PICC P&C Insurance, China Life Insurance, China United Property Insurance, Anhua Agricultural Insurance and Zijin Property Insurance. Among them, the PICC branches received a total of 8 fines and a total fine of 1.13 million yuan. Zijin P&C branches received a high fine, totaling 1.19 million yuan. China United Property Insurance, Anwar Agricultural Insurance and China Life Insurance were fined 1.05 million yuan, 970,000 yuan and 230,000 yuan respectively.
"At present, there is still a certain gap between the insurance awareness of China's rural households and rural new-type entities compared with developed countries. And because there are many retail investors and the scale is small, the traditional agricultural insurance business model has encountered bottlenecks. This requires professional agricultural insurance companies. Intensify business model innovation research, product innovation, and technological innovation, China's agricultural insurance is better developed, providing greater and more applicable risk protection services for agriculture.†Zhongyuan Agricultural Insurance related persons told reporters.
(Original title: Policy winds up the rapid development of agricultural insurance bottlenecks)