1月16日(ri),大(da)商所2018農(nong)民收(shou)入(ru)(ru)保障計劃(hua)備案項目(mu)之(zhi)一(yi),由(you)新湖期貨及太保財險北(bei)京(jing)分公司共(gong)同實施的黑龍江遜克(ke)農(nong)場(chang)玉米(mi)收(shou)入(ru)(ru)險試點項目(mu)完成理(li)賠。本項目(mu)賠付金額(e)累計340萬(wan)余元,賠付效果顯(xian)著,在去年東北(bei)玉米(mi)減(jian)產嚴重的大(da)背景下很好地保障了種(zhong)糧農(nong)戶的收(shou)入(ru)(ru)。
實際賠付340萬余元
黑(hei)龍(long)江(jiang)省(sheng)黑(hei)河市遜(xun)(xun)克(ke)縣遜(xun)(xun)克(ke)農(nong)(nong)(nong)(nong)場(chang)(chang)又叫北大(da)荒生產建設兵(bing)團第一師第四(si)團,是(shi)國營(ying)農(nong)(nong)(nong)(nong)場(chang)(chang),也(ye)是(shi)黑(hei)龍(long)江(jiang)農(nong)(nong)(nong)(nong)墾系統(tong)大(da)型農(nong)(nong)(nong)(nong)場(chang)(chang)之一。本試(shi)點(dian)項目(mu)保(bao)(bao)障(zhang)對(dui)象(xiang)是(shi)遜(xun)(xun)克(ke)農(nong)(nong)(nong)(nong)場(chang)(chang)21戶玉(yu)米(mi)種植大(da)戶,覆(fu)蓋土地(di)面(mian)積6.1萬畝,玉(yu)米(mi)產量(liang)3.2萬噸(dun),保(bao)(bao)值金額(e)5795萬元(yuan),實際賠(pei)付340萬余元(yuan)。遜(xun)(xun)克(ke)農(nong)(nong)(nong)(nong)場(chang)(chang)相(xiang)關負責人告訴記(ji)者,“今年的(de)(de)收(shou)入(ru)險(xian)(xian)(xian)(xian)效(xiao)(xiao)果特別好(hao),農(nong)(nong)(nong)(nong)戶也(ye)嘗到了甜(tian)頭,相(xiang)比傳(chuan)統(tong)的(de)(de)種植險(xian)(xian)(xian)(xian),收(shou)入(ru)保(bao)(bao)險(xian)(xian)(xian)(xian)對(dui)農(nong)(nong)(nong)(nong)民有更好(hao)的(de)(de)保(bao)(bao)障(zhang)效(xiao)(xiao)果,傳(chuan)統(tong)種植險(xian)(xian)(xian)(xian)在絕收(shou)的(de)(de)情況下(xia)也(ye)就一畝補四(si)到五百塊錢(qian),還不(bu)(bu)夠覆(fu)蓋種植成本,收(shou)入(ru)保(bao)(bao)險(xian)(xian)(xian)(xian)是(shi)以(yi)保(bao)(bao)障(zhang)農(nong)(nong)(nong)(nong)民收(shou)入(ru)為(wei)目(mu)的(de)(de),農(nong)(nong)(nong)(nong)民不(bu)(bu)僅保(bao)(bao)本還保(bao)(bao)收(shou)。”培訓會上,當地(di)參保(bao)(bao)農(nong)(nong)(nong)(nong)戶也(ye)表達(da)了對(dui)項目(mu)效(xiao)(xiao)果的(de)(de)肯定,紛紛表示希望擴大(da)收(shou)入(ru)險(xian)(xian)(xian)(xian)的(de)(de)規(gui)模,來年能(neng)覆(fu)蓋更大(da)種植面(mian)積。
此項(xiang)(xiang)目由(you)太保(bao)財險(xian)北(bei)京分公司出具保(bao)單,新湖期(qi)貨提(ti)供期(qi)貨風(feng)險(xian)對沖服務,黑龍江省北(bei)安農(nong)墾眾鑫糧(liang)(liang)(liang)(liang)食加(jia)工有限公司提(ti)供基(ji)差(cha)點價收(shou)購服務,形成了“保(bao)險(xian)+期(qi)貨+訂單”的(de)(de)創新模(mo)(mo)式。該模(mo)(mo)式下(xia),“訂單”是指(zhi)收(shou)糧(liang)(liang)(liang)(liang)企業提(ti)前與農(nong)民(min)(min)簽訂基(ji)差(cha)收(shou)購合同,約定在(zai)糧(liang)(liang)(liang)(liang)食上市季節以約定的(de)(de)定價方(fang)式收(shou)購農(nong)民(min)(min)的(de)(de)糧(liang)(liang)(liang)(liang)食,一方(fang)面(mian)收(shou)糧(liang)(liang)(liang)(liang)企業提(ti)前鎖定糧(liang)(liang)(liang)(liang)源,另(ling)一方(fang)面(mian)農(nong)民(min)(min)賣糧(liang)(liang)(liang)(liang)沒有了后顧之(zhi)憂(you)。本項(xiang)(xiang)目實現了約4250噸的(de)(de)基(ji)差(cha)收(shou)糧(liang)(liang)(liang)(liang),打(da)通了糧(liang)(liang)(liang)(liang)食種(zhong)植、銷(xiao)(xiao)售(shou)環節,整(zheng)個(ge)項(xiang)(xiang)目模(mo)(mo)式覆(fu)蓋(gai)了從種(zhong)植端(duan)到銷(xiao)(xiao)售(shou)端(duan),“保(bao)險(xian)+期(qi)貨”為農(nong)民(min)(min)規避了收(shou)入波(bo)動風(feng)險(xian),“訂單”模(mo)(mo)式使農(nong)民(min)(min)的(de)(de)售(shou)糧(liang)(liang)(liang)(liang)無(wu)憂(you),做(zuo)到敢種(zhong)、能種(zhong)、放心種(zhong)。
讓農民過個好年
遜克縣玉米收(shou)(shou)(shou)入險(xian)(xian)是新湖期貨落地黑(hei)龍江(jiang)的(de)(de)首單“保(bao)(bao)險(xian)(xian)+期貨”項目,并嘗(chang)試收(shou)(shou)(shou)入險(xian)(xian)。在(zai)收(shou)(shou)(shou)入險(xian)(xian)的(de)(de)實施過程中,價格端(duan)的(de)(de)風險(xian)(xian)由期貨公(gong)司承擔,產量端(duan)的(de)(de)風險(xian)(xian)由保(bao)(bao)險(xian)(xian)公(gong)司承擔,金融(rong)機構各自(zi)承擔自(zi)己擅長的(de)(de)部分,聯合為農民保(bao)(bao)收(shou)(shou)(shou)增收(shou)(shou)(shou)提供(gong)保(bao)(bao)障。
2018年,東北(bei)地區由于霜災(zai)(zai)或旱災(zai)(zai)引(yin)起玉米大(da)面積減產,盡管玉米價格一(yi)路(lu)攀升,但總體來(lai)看,農民(min)收(shou)(shou)入(ru)還是(shi)受(shou)到了(le)較大(da)影響,收(shou)(shou)入(ru)險的(de)試點有(you)效(xiao)地保障了(le)農民(min)的(de)收(shou)(shou)入(ru),農戶代表(biao)孫維民(min)說:“今年災(zai)(zai)害嚴重,幸好參(can)加了(le)投保,獲得的(de)賠(pei)付能讓(rang)我們(men)過(guo)個好年。”
新(xin)湖(hu)期(qi)貨(huo)相關負責(ze)人表示,盡管在本項(xiang)目(mu)推進(jin)過程中還存在產量風險(xian)(xian)的(de)對沖機制、減產定損(sun)等(deng)問題,但(dan)新(xin)湖(hu)期(qi)貨(huo)、太保財險(xian)(xian)北京(jing)分公司(si)等(deng)項(xiang)目(mu)主(zhu)(zhu)體(ti)通力(li)合(he)作,大膽創新(xin),共同探索(suo)解決(jue)方案(an)。比(bi)如針對因自然災(zai)害引起(qi)的(de)減產定損(sun)問題,保險(xian)(xian)公司(si)就引入新(xin)型的(de)測量技術(shu),根據遙感技術(shu)公司(si)掌握的(de)投(tou)保區域(yu)的(de)歷史氣象和災(zai)害數據,對受災(zai)地區進(jin)行建(jian)模,同時可利用衛星連續24小時監控災(zai)情,幫助保險(xian)(xian)公司(si)更快(kuai)速、精準地了(le)解受災(zai)詳(xiang)情,便于提前定損(sun)。后續,項(xiang)目(mu)主(zhu)(zhu)體(ti)將(jiang)總結經驗,繼(ji)續探索(suo)收入險(xian)(xian)的(de)復(fu)制路徑和條件。
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