Agricultural insurance services capabilities and economic and social

 Second, adhere to all parties concerned
Third is to uphold protection of rights and interests of compliance management key to the development of agricultural insurance specifications. Regulatory supervision of agricultural insurance and always maintain a high degree of emphasis on the agricultural insurance business processes that exist in illegal activities according to the law seriously. Since 2007, the CIRC issued for a range of agricultural insurance in promoting development and standardization of a document, put forward promote normal development of agricultural insurance. (Jiang Fan)

there is to continuously improve the basic system. China Insurance Regulatory Commission to regulate the agricultural insurance market order and safeguard the legitimate rights and interests of the insured farmers, focusing on continuous strengthening basic system construction, development of a series of promoting development and regulating the development of the provisions clearly stated that claims the results made public, public service standards, regulatory requirements, open and covered home, assess the damage to the home, household claims, Issued a

- the overall control of agricultural insurance business risk.

or the basic system construction and market supervision system of the main building and have made significant progress.

- agricultural insurance management level gradually increased. China Insurance Regulatory Commission to urge the insurance agencies pay close attention to internal management, improve management and control, guard against and defuse moral hazard; Insurance Association of China established a joint meeting system of agricultural insurance underwriters, management of joint research in the agricultural insurance key issues, develop joint research the Commercial disaster insurance company more accurate data, scientific, rational and norms, some local governments have made it clear to the insurance company's data as an important reference for statistical disaster.

Reporter: In recent years agricultural insurance regulatory mechanism has been initially established, supervision was strengthened. China Insurance Regulatory Commission in improving the agricultural insurance business and regulation compliance management is how to do it?

Zhou Yanli: from the agricultural insurance business development, the sustained and rapid growth can be summarized as the foundation for development and continuously strengthened, economic and social capacity of agricultural insurance services increased significantly.

Second, adhere to the farmers
protect the interests of farmers, agricultural insurance has been the most important advance in the process, is related to the sustainability and healthy development of agricultural insurance a major issue. And this problem in the

Reporter: With the support of government and policy, but also a good idea, in terms of agricultural insurance agency insurance management and protection of the interests of farmers on there, what more mature experience?

Reporter: Do you think in the promotion of the

participate in agricultural insurance to rapid development. Agricultural insurance business only parties to participate in order to form a security force. Around the practice shows that local governments need to carry out agricultural insurance, agricultural industrialization leading enterprises, primary agriculture-related services, to participate in village committees and other subjects. Some areas have included the development of agricultural insurance in the performance evaluation of local government to go, and some agricultural industrialization leading enterprises take active part of the premium for farmers, some farmers cooperatives to assume the task of organizing the peasants insurance, and some local farmers technological advantages in the promotion department of survey work to assess the damage, some local financial institutions and insurance sector initiative to establish communication mechanism for Bancassurance. Facts have proved that those who carried out the better areas of agricultural insurance, are leaders attach importance to the relevant departments to support more than the smooth management of the reason was.




insurance industry to strengthen the risk of agricultural insurance, agricultural insurance risk division launched a study and initially completed the provincial agricultural insurance risk zoning research. In recent years, frequent extreme weather events the case of agricultural insurance system as a whole has withstood the drought, freeze disasters, floods and other catastrophes of the test, to ensure the stable operation.

- premium volume growth by leaps and bounds. Five years, the total premium income of 44 billion yuan, to provide insurance protection for agricultural production 1.1279 trillion yuan; in the underwriting varieties, has covered agriculture, forestry, animal husbandry, and various aspects of fisheries; during the start area, and has covered the provinces and autonomous regions; in the scope of protection, the urgent need for farmers to gradually increase the risk of liability.

Zhou Yanli: strengthen the regulation of team building is very important. additional post-post Office, responsible for the supervision of agricultural insurance, agricultural insurance regulation from the previous increased.

independent voluntary insurance is a source of sustainable development of agricultural insurance. In a variety of agricultural natural disasters, animal diseases, is the case in the past farmers often helpless. With the large-scale business development and the increase of agricultural insurance products, the farmers own the enthusiasm of agricultural insurance coverage was increased. Insurance agencies throughout the support of the local government, agriculture and rural economic development with the practical, policy support for the guide, publicity to encourage farmers to participate in agricultural insurance, effective, and effectively leveraging the enthusiasm of farmers insured. After the disaster occurs, insurance agencies Peifu in a timely manner, and further enhance the confidence of farmers to continue coverage for the sustainable development of agricultural insurance to provide an inexhaustible source.

- the functional role of agricultural insurance has become increasingly prominent. Currently, the agricultural insurance compensation for farmers has become a production recovery and reconstruction of the important source of funding. Five years, the cumulative 64 million affected agricultural insurance indemnity 30.7 billion to pay farmers, agricultural insurance claims strong support for the disaster recovery product. Insurance can be complicated, especially the important role of the sow, the majority of the support of farmers, from August 2007 to August 2010 for three full years of coverage can be complicated sow 146 million, accounting for the same period the mother can be complicated pig breeding stock more than 76%, providing risk protection 133.537 billion yuan, 45.34 million times the insured farmers, to pay reparations 6.632 billion yuan, 9.72 million farmers benefiting times.


reporters:

Third, according to local conditions is the development of agricultural insurance with Chinese characteristics, the only way. Process in the development of agricultural insurance, local realities, and explore effective forms of agricultural insurance. From the operators perspective, some provinces are relying on to carry out a comprehensive three rural insurance business insurance company; some provinces set up a professional agricultural insurance company to carry out insurance business in agriculture, the United Provinces of Zhejiang Province in the People's Insurance, Pacific Insurance Company, etc. set up a From the protection of varieties, actively involving all over the country in addition to food security and the national economy and an important grain and oil crops, cotton, large livestock insurance pilot species, but also for the local characteristics of agricultural and pillar industries and actively carry out vegetables, tobacco, fruit and other insurance system. The level of protection from the point of view, over the insurance programs in the development, to determine the insurance amount, are fully taken into account the actual expenditure of local agricultural production costs, the affordability of the farmers, the capacity at all levels of financial and insurance institutions, and many other underwriting capacity demand, sub-regional, sub-species set different security level.

active in the China Insurance Regulatory Commission under the guidance, support and services to insurance companies,

Then there
Editor's note

- agricultural insurance services continues to increase.

year is into the Mature experience which will further the development of agricultural insurance has played an important role in what? This reporter interviewed the China Insurance Regulatory Commission Vice Chairman Zhou Yanli.

increased inspection efforts, and severely punish illegal behavior. Single 2010, we carried out numerous sow insurance to be able to fully check and claim the 2009 drought situation in Northeast special inspection. Meanwhile, a serious situation for the flood disaster, innovative way to enhance the sampling process claims, vigorously promoted the settlement of claims flooding efficiency. Five years, dealing with the insurance regulatory serious complaint letters and visits of agricultural insurance, firmly safeguard the lawful rights and interests of the insured farmers. China Insurance Regulatory Commission and the Insurance Regulatory Commission in a timely manner the results of examination results and administrative penalties to the media and the public to form a regulatory force, and achieved good results.

Zhou Yanli: We believe that the key lies in three aspects. First, adhere to the guiding policy of the government support is the premise of the rapid development of agricultural insurance. played an important role. The central government has intensified premium subsidies, subsidies varieties from 6 in 2007 to the current 14. Continue to support the implementation of the policy, the agricultural insurance development and made remarkable achievements, the multiplier effect of the central government will be revealed, the relevant departments to actively participate in the farmers insurance enthusiasm, a group of agricultural insurance operators to emerge. Both the spread of agriculture agricultural insurance risk and stable income of the farmers, and promoting social harmony and stability.

The realization of the historic breakthrough in the industry for the better in recent years lay the objective environment are inseparable

Zhou Yanli: the same three key points. First, insurance companies insist on business operations is the basis for the sustainable development of agricultural insurance. The main building and the promotion of market forces. From the underwriting capacity, these commercial insurance business organizations, other than the sun between agricultural insurance companies, the establishment of the capital when there are stringent restrictions on PICC and China United Property Insurance Company is an integrated operating company for many years, EMC agricultural insurance, An Huanong insurance, state farm insurance and other professional element in the establishment of the company has large capital injection. Channels from the risk diversification perspective, insurance companies standardize their operations and strive to achieve through its own actuarial balance and flow to the domestic and foreign reinsurers channels to purchase reinsurance, and some local governments to establish the Liaison Office with the co-insurance model of development, to seek local financial support. Personnel from the business perspective, currently engaged in the agriculture sector in the insurance business, most executives are engaged in agricultural insurance business experience, a considerable portion of primary managers are from rural areas. Thus, commercial insurance companies standardize their operations, can improve the financial subsidies to more fully leverage the funds, the insurance premium subsidy funds to improve efficiency.

agricultural insurance in recent years to maintain steady and rapid development, a series of insurance regulation to encourage and support innovation and promote compliance management, risk policy of preventing and defusing played a key role

- Agricultural insurance coverage rapidly. Five years, the cumulative 29 million acres of crop insurance, Cheng Baosheng pigs and sows 200 million to prosperity, 7.6 million hectares of forest cover.