近(jin)日，新湖(hu)期貨及(ji)其(qi)風(feng)險子(zi)公司新湖(hu)瑞(rui)豐在黑龍(long)江(jiang)省黑河市遜(xun)克農(nong)(nong)場聯合(he)太保財險開展的(de)“訂單農(nong)(nong)業+玉(yu)米收(shou)入(ru)保險+期貨”項目(mu)落(luo)地(di)，該(gai)項目(mu)探索訂單農(nong)(nong)業模式，為(wei)當地(di)玉(yu)米種植戶提供價格風(feng)險與產量風(feng)險管理服務，為(wei)農(nong)(nong)戶規避從產到銷全部(bu)風(feng)險，切實保障(zhang)農(nong)(nong)戶收(shou)益。

　　據了(le)(le)解，本(ben)次試(shi)點中，遜(xun)克農場向太保(bao)(bao)財險(xian)購(gou)買玉(yu)米(mi)收入保(bao)(bao)險(xian)（32000噸玉(yu)米(mi)共計保(bao)(bao)費(fei)4056500元），保(bao)(bao)險(xian)期(qi)限為四個半(ban)月(yue)，10月(yue)份(fen)玉(yu)米(mi)集中上市期(qi)間，農戶(hu)(hu)(hu)的實際(ji)種植收入低(di)于提前(qian)約定(ding)的目(mu)標收入時(shi)，農戶(hu)(hu)(hu)將按保(bao)(bao)障水(shui)平獲得二者(zhe)差額的賠付，從而鎖定(ding)最低(di)種植收入。另外，為了(le)(le)充分保(bao)(bao)障農戶(hu)(hu)(hu)利(li)益，方案還進行了(le)(le)保(bao)(bao)本(ben)設計，確保(bao)(bao)農戶(hu)(hu)(hu)投入的保(bao)(bao)費(fei)得到保(bao)(bao)障。同時(shi)，太保(bao)(bao)財險(xian)向新湖瑞豐購(gou)買玉(yu)米(mi)期(qi)貨看跌期(qi)權（再保(bao)(bao)險(xian)）轉移價格(ge)風險(xian)。

　　該項目試點模(mo)式為(wei)“訂單(dan)農(nong)(nong)業+保(bao)險(xian)+期(qi)貨(huo)”。項目中(zhong)的“訂單(dan)”是指(zhi)生產農(nong)(nong)產品的企業從開始就參(can)與(yu)到農(nong)(nong)民(min)的生產經營(ying)中(zhong)，將種(zhong)(zhong)子賣(mai)給(gei)農(nong)(nong)民(min)，收(shou)(shou)獲(huo)后收(shou)(shou)購(gou)農(nong)(nong)民(min)的產品。如此，農(nong)(nong)民(min)在整個過程(cheng)中(zhong)從種(zhong)(zhong)到賣(mai)，因為(wei)有“保(bao)險(xian)+期(qi)貨(huo)”，既不(bu)用(yong)擔心風險(xian)，也(ye)不(bu)用(yong)擔心銷(xiao)量(liang)(liang)，因為(wei)有訂單(dan)，讓農(nong)(nong)民(min)敢種(zhong)(zhong)、能種(zhong)(zhong)、放心種(zhong)(zhong)。通過新湖期(qi)貨(huo)前期(qi)補貼(tie)與(yu)農(nong)(nong)戶(hu)(hu)自交少量(liang)(liang)保(bao)費(fei)投保(bao)玉(yu)(yu)米收(shou)(shou)入保(bao)險(xian)，轉(zhuan)嫁產量(liang)(liang)風險(xian)與(yu)價格風險(xian)。當地收(shou)(shou)糧企業眾鑫公司與(yu)參(can)保(bao)農(nong)(nong)戶(hu)(hu)簽訂基差收(shou)(shou)購(gou)合同，按照固定價差收(shou)(shou)購(gou)參(can)保(bao)農(nong)(nong)戶(hu)(hu)收(shou)(shou)獲(huo)玉(yu)(yu)米，保(bao)障農(nong)(nong)戶(hu)(hu)實際收(shou)(shou)益。