日前(qian),中化現(xian)代農(nong)業有(you)限(xian)公司(si)、中華聯合財產(chan)保(bao)險(xian)股份有(you)限(xian)公司(si)、一米(mi)(mi)信息服務(北京)有(you)限(xian)公司(si)、浙商期貨有(you)限(xian)公司(si)推動的(de)黑(hei)龍江(jiang)巴(ba)彥(yan)縣(xian)(xian)、富裕縣(xian)(xian)玉米(mi)(mi)“收(shou)入保(bao)險(xian)+MAP項目(mu)+銀行(xing)融資”試點項目(mu)正式出單。該玉米(mi)(mi)收(shou)入險(xian)試點是大商所(suo)2018年“農(nong)民(min)收(shou)入保(bao)障計(ji)劃”的(de)備案(an)項目(mu)之(zhi)一,保(bao)障玉米(mi)(mi)20000噸,承保(bao)面(mian)積3.2萬畝。
在巴彥縣、富(fu)裕縣玉米(mi)試(shi)點中,項目(mu)團隊(dui)將中化集團MAP項目(mu)與銀行(xing)融資服務、保(bao)險+期貨模式(shi)相結合(he),聚(ju)焦(jiao)普通農(nong)戶(hu)和新型經營主體的(de)生產(chan)(chan)經營需(xu)要,立(li)足于(yu)服務農(nong)業(ye)(ye)生產(chan)(chan)產(chan)(chan)前、產(chan)(chan)中、產(chan)(chan)后全過程(cheng),著力解(jie)決“耕地適度規模化”、“產(chan)(chan)量保(bao)證”、“收入(ru)保(bao)障”等根本問題(ti),為(wei)農(nong)戶(hu)提供線(xian)上線(xian)下(xia)相結合(he)的(de)農(nong)業(ye)(ye)綜合(he)解(jie)決方(fang)案(an)。
中化(hua)(hua)集團MAP(Modern Agriculture Platform)項目,即現代農(nong)(nong)業(ye)(ye)(ye)技術(shu)(shu)服務平臺,通過向種(zhong)植戶提供包括農(nong)(nong)資套餐、種(zhong)植技術(shu)(shu)、土壤改(gai)良(liang)、農(nong)(nong)機(ji)裝備、農(nong)(nong)業(ye)(ye)(ye)保(bao)險(xian)、糧(liang)食收儲及(ji)農(nong)(nong)產品銷(xiao)售等(deng)在內(nei)的(de)農(nong)(nong)業(ye)(ye)(ye)綜合解決方案,以此推進(jin)農(nong)(nong)業(ye)(ye)(ye)生(sheng)產集成(cheng)化(hua)(hua)、科學化(hua)(hua)、標準化(hua)(hua)和(he)品質化(hua)(hua)。
浙商期(qi)貨和中(zhong)華聯合保(bao)險為農民提(ti)供(gong)玉米收入(ru)保(bao)險,綜(zong)合保(bao)障農民的種植預期(qi)收入(ru)。中(zhong)外信托(tuo)、郵(you)儲銀行(xing)為農民提(ti)供(gong)融資(zi),受托(tuo)支(zhi)付(fu)托(tuo)管費用及土地流轉費用,且以(yi)農民購(gou)買“收入(ru)保(bao)險”作為融資(zi)發(fa)放條(tiao)件。
通過“MAP項目+銀行融資+收(shou)入保(bao)險”的(de)模(mo)式,可(ke)以幫助農民(min)(min)穩(wen)收(shou)增收(shou)。同時,此模(mo)式可(ke)以準確計量種(zhong)植成本、農民(min)(min)收(shou)入、產(chan)量、品質、庫(ku)存、銷售的(de)農業生產(chan)數據,可(ke)以清晰體(ti)現“保(bao)險+期貨(huo)”對保(bao)障農民(min)(min)收(shou)入、增加(jia)農民(min)(min)收(shou)入的(de)支持效(xiao)果。
農(nong)(nong)(nong)(nong)業(ye)(ye)收(shou)(shou)入保(bao)(bao)險(xian)以農(nong)(nong)(nong)(nong)業(ye)(ye)收(shou)(shou)入為(wei)保(bao)(bao)險(xian)標的(de)(de),是(shi)針對當(dang)保(bao)(bao)險(xian)責任范圍(wei)內(nei)因素導致的(de)(de)農(nong)(nong)(nong)(nong)作(zuo)物產量減少或(huo)價格波(bo)動,使投保(bao)(bao)人實(shi)際(ji)收(shou)(shou)入低于保(bao)(bao)障收(shou)(shou)入水平時(shi)的(de)(de)一(yi)種保(bao)(bao)險(xian),是(shi)大(da)商所在(zai)期貨(huo)價格保(bao)(bao)險(xian)基(ji)礎上引導推出(chu)的(de)(de)一(yi)種保(bao)(bao)障更為(wei)全面的(de)(de)保(bao)(bao)險(xian)。據了解,2017年,浙(zhe)商團隊已在(zai)大(da)商所的(de)(de)支持下在(zai)黑龍江(jiang)蘿北縣(xian)開展大(da)豆收(shou)(shou)入險(xian)探索,承保(bao)(bao)現(xian)(xian)貨(huo)量6000噸,承保(bao)(bao)面積4.3萬(wan)畝,為(wei)農(nong)(nong)(nong)(nong)民保(bao)(bao)障目標收(shou)(shou)入490元/畝,最終在(zai)遭遇(yu)旱災,產量及價格均縮減的(de)(de)背景下,實(shi)現(xian)(xian)理賠309萬(wan)元。
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