中證網訊(記(ji)者孫翔峰)日(ri)前,由鄭商所支持,新湖期貨(huo)承辦,山西人保(bao)(bao)承保(bao)(bao)的大(da)寧縣蘋(pin)果(guo)“保(bao)(bao)險+期貨(huo)”試點項目順利完成結(jie)項理(li)賠(pei)工作,試點項目為山西大(da)寧縣350戶建檔立卡貧困(kun)戶提供了蘋(pin)果(guo)價格風險保(bao)(bao)障,3000噸蘋(pin)果(guo)覆蓋了3000畝蘋(pin)果(guo)種植面積。項目賠(pei)付(fu)總(zong)金額為100萬余元(yuan),平均每(mei)畝賠(pei)付(fu)336.335元(yuan),平均每(mei)戶果(guo)農賠(pei)付(fu)2882.27元(yuan)。
大(da)寧(ning)縣蘋(pin)果“保(bao)(bao)(bao)(bao)(bao)險+期(qi)貨(huo)”試點項目(mu)是鄭(zheng)商所(suo)在(zai)(zai)山西(xi)(xi)地(di)區(qu)支持(chi)的(de)唯一“保(bao)(bao)(bao)(bao)(bao)險+期(qi)貨(huo)”項目(mu)。從2018年(nian)10月(yue)中旬到2019年(nian)1月(yue)底,歷時三(san)個多月(yue),由(you)新湖期(qi)貨(huo)負責(ze)方案設(she)計及產品(pin)技術(shu)支持(chi),山西(xi)(xi)人(ren)保(bao)(bao)(bao)(bao)(bao)提(ti)供承保(bao)(bao)(bao)(bao)(bao)理賠服(fu)務(wu),針對(dui)當地(di)果農(nong)的(de)需求,結(jie)合蘋(pin)果期(qi)貨(huo)價格走勢,設(she)計蘋(pin)果價格保(bao)(bao)(bao)(bao)(bao)險產品(pin)。項目(mu)得(de)到了大(da)寧(ning)縣政府(fu)的(de)大(da)力支持(chi),投入60萬元(yuan)財政資金補貼(tie)保(bao)(bao)(bao)(bao)(bao)費(fei)(fei),為今后蘋(pin)果價格保(bao)(bao)(bao)(bao)(bao)險在(zai)(zai)當地(di)大(da)規模推廣探路;同(tong)時,大(da)寧(ning)縣政府(fu)和山西(xi)(xi)人(ren)保(bao)(bao)(bao)(bao)(bao)為果農(nong)自繳的(de)30萬元(yuan)保(bao)(bao)(bao)(bao)(bao)費(fei)(fei)資金提(ti)供兜(dou)底保(bao)(bao)(bao)(bao)(bao)障(zhang),充分保(bao)(bao)(bao)(bao)(bao)障(zhang)果農(nong)利益;項目(mu)優先扶持(chi)建(jian)檔立卡的(de)350戶貧困戶,新湖期(qi)貨(huo)對(dui)項目(mu)剩余保(bao)(bao)(bao)(bao)(bao)費(fei)(fei)1016021元(yuan)進行(xing)補貼(tie);保(bao)(bao)(bao)(bao)(bao)險方案采用“實值+亞(ya)式”的(de)期(qi)權結(jie)構,同(tong)時引(yin)入階梯式賠付比例,既提(ti)高了對(dui)果農(nong)的(de)保(bao)(bao)(bao)(bao)(bao)障(zhang)價格,又很好(hao)地(di)控(kong)制(zhi)了保(bao)(bao)(bao)(bao)(bao)費(fei)(fei)成本。
“保(bao)(bao)險(xian)+期(qi)貨(huo)(huo)”這一創新業務模式(shi)(shi)將保(bao)(bao)險(xian)的(de)風險(xian)補償功(gong)能(neng)和期(qi)貨(huo)(huo)風險(xian)分(fen)散機(ji)制結合起來(lai),共同為果(guo)(guo)農(nong)的(de)收入穩定(ding)提(ti)供了保(bao)(bao)障,也給當地果(guo)(guo)農(nong)脫貧致富帶(dai)來(lai)了信心(xin)。參保(bao)(bao)果(guo)(guo)農(nong)白(bai)建云獲得理賠款3000余元,在領取(qu)了理賠款后他高(gao)興地表示(shi):“‘保(bao)(bao)險(xian)+期(qi)貨(huo)(huo)’讓我更(geng)有脫貧信心(xin)了!”蘋果(guo)(guo)“保(bao)(bao)險(xian)+期(qi)貨(huo)(huo)”模式(shi)(shi)很(hen)好地發揮出了“扶(fu)貧果(guo)(guo)”的(de)金融工具功(gong)能(neng),提(ti)前幫(bang)參保(bao)(bao)農(nong)戶鎖定(ding)了最低銷售價格(ge),給廣大貧困果(guo)(guo)農(nong)吃(chi)下(xia)了定(ding)心(xin)丸。
試點(dian)的良(liang)好成效充分撬(qiao)動大(da)寧(ning)縣(xian)及周邊其他(ta)蘋果(guo)(guo)(guo)(guo)主產(chan)地(di)(di)政(zheng)府的積(ji)(ji)極性,帶動后續近500萬(wan)政(zheng)府資金投入蘋果(guo)(guo)(guo)(guo)保險(xian)(xian)項目。當地(di)(di)政(zheng)府積(ji)(ji)極引(yin)導和(he)支持(chi)果(guo)(guo)(guo)(guo)農開展蘋果(guo)(guo)(guo)(guo)商(shang)(shang)業(ye)型(xing)保險(xian)(xian)項目,新(xin)湖期貨和(he)山西人(ren)保也(ye)積(ji)(ji)極探(tan)索和(he)研(yan)究,投入大(da)量(liang)的人(ren)力、物力和(he)財力,開發(fa)創新(xin)型(xing)商(shang)(shang)業(ye)保險(xian)(xian)產(chan)品。日(ri)前,大(da)寧(ning)縣(xian)果(guo)(guo)(guo)(guo)農已經投保商(shang)(shang)業(ye)型(xing)蘋果(guo)(guo)(guo)(guo)保險(xian)(xian)項目,涉及現貨規模(mo)達1.2萬(wan)噸。同(tong)時(shi),臨汾市翼城(cheng)縣(xian)2萬(wan)噸蘋果(guo)(guo)(guo)(guo)“保險(xian)(xian)+期貨”項目也(ye)在有條不紊(wen)地(di)(di)推進中。
新湖期(qi)貨最早于2017年(nian)(nian)(nian)在山西地區開(kai)展玉米(mi)“保險(xian)+期(qi)貨”試(shi)(shi)點(dian),經(jing)過兩年(nian)(nian)(nian)的(de)持續(xu)試(shi)(shi)點(dian)和(he)市場培(pei)育,“保險(xian)+期(qi)貨”模式逐漸在山西地區開(kai)花結果,覆蓋品種和(he)種植(zhi)面積(ji)不斷延伸和(he)擴大(da),涉及玉米(mi)總(zong)規模超(chao)(chao)過28萬多噸,涉及蘋果總(zong)規模超(chao)(chao)過3.5萬噸。2019年(nian)(nian)(nian)新湖期(qi)貨將繼續(xu)推(tui)進(jin)金融機構服務實體經(jing)濟及服務三(san)農(nong)的(de)工作進(jin)程(cheng),助力當地相關產業的(de)發展。
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Copyright 2001-2018 China Securities Journal. All Rights Reserved