On March 5th, the Financial Office of the Provincial Government, the Provincial Department of Finance, the Provincial Agriculture Committee, the Provincial Forestry Department and the Guizhou Insurance Regulatory Bureau issued the Implementation Plan of Policy Agricultural Insurance in Guizhou Province. The newspaper specially invited the person in charge of the financial office of the provincial government to interpret the background, significance and highlights of the plan.
I. Background and significance of the policy.
Since the implementation of the central policy agricultural insurance in 2007, the national agricultural insurance has shown a gradual growth trend, but the development of our province is relatively tortuous. The growth rate at the lowest point of business development is 85 percentage points lower than the national average, and the premium scale ranks first in the country. In view of the situation that agricultural insurance is "difficult to develop and easy to shrink", our province continues to intensify its work and innovate its development mode. In order to further promote the work of agricultural insurance in our province, improve the coverage and security of agricultural insurance, promote the sustained and stable development of agriculture in our province, accelerate the transformation from traditional agriculture to modern agriculture, continuously improve the service level of agricultural insurance, and better play the service role of policy agricultural insurance in agricultural development in our province. In order to realize the continuous improvement of rural people's livelihood and the harmonious and healthy development of society, according to the relevant policies and regulations of the state, the provincial party committee and the provincial government, combined with the pilot situation of policy agricultural insurance in our province, on March 5, the Provincial Government Finance Office, the Provincial Department of Finance, the Provincial Agriculture Committee, the Provincial Forestry Department and the Guizhou Insurance Regulatory Bureau jointly studied and issued the Notice on Printing and Distributing, which marked the basic establishment of the policy agricultural insurance system framework in our province and laid a solid foundation for the sustainable and healthy development of agricultural insurance in our province, which was of great significance.
Second, the main contents and highlights involved in the policy
First, the policy environment has been further optimized. The number of agricultural insurance products that enjoy the premium subsidy from the central government in our province has increased to 10, which unifies the coverage and compensation standards of planting, aquaculture and forest insurance, and clarifies the working expenses of agricultural insurance and the compensation standards for the determination of compensation cases. Actively innovate agricultural insurance methods, continue to choose rice and tea in Fenggang County in the whole province to carry out pilot projects, and adopt the model of "basic insurance+supplementary insurance" for promotion. Other corn, rape, sugarcane, wheat, potatoes, fertile sows, fattening pigs, cows and forest insurance that are included in the central financial premium subsidies shall be independently selected by all localities. Under the condition that farmers voluntarily bear the self-insurance premium and the matching funds of municipal and county financial premium subsidies are in place, the central and provincial finances shall give corresponding premium subsidies according to regulations.
Second, the level of protection has been greatly improved. The province's agricultural insurance covers 7 million households (times), covering an area of 6.5438+0024 million mu of crops, especially rice, which reaches 86%, providing 70.7 billion yuan of risk protection for agriculture, forestry and animal husbandry in the province, bearing 6.5438+82 million yuan of compensation liability and benefiting 284,500 households. The variety of policy agricultural insurance in the whole province has been expanded from 3 in 20 10 to 10, and the degree and coverage of agricultural insurance in our province will be further expanded.
Third, new breakthroughs have been made in characteristic agricultural insurance. Based on tobacco planting, tea and other characteristic industries, our province has carried out policy-based tobacco planting insurance since 20 1 1, covering 18 counties (districts), with a total of 208 100 tobacco farmers bearing tobacco planting risks exceeding1570,000 yuan; Last year, Fenggang County launched a pilot program of tea policy insurance, which provided 82.5 million yuan of risk protection for 300,000 mu of organic tea gardens. Continue to carry out the pilot work of tea policy insurance in Fenggang County, and encourage and support all localities to carry out insurance for agriculture, forestry and livestock products with local characteristics according to local conditions. The provincial finance will support it by setting up special funds for the development of agricultural insurance and striving for the central finance to provide awards instead of subsidies. According to the provincial budget and the development of agricultural insurance with local characteristics, a fixed subsidy is implemented every year.
Third, the next major work initiatives
First, strengthen organizational leadership, establish and improve the joint meeting system of agricultural insurance work in our province, set up local leading groups for agricultural insurance work, and gradually establish and improve the contact mechanism of joint meetings of agricultural insurance work at the provincial, prefectural and county levels. All members of the joint meeting of agricultural insurance at all levels should not only have clear responsibilities, carry out their duties, but also cooperate closely and promote together. It is necessary to strengthen the investigation, supervision and inspection of local agricultural insurance, carefully organize and actively expand the variety and coverage of policy-based agricultural insurance in our province to ensure the sustained, stable and healthy development of agricultural insurance in our province.
The second is to further strengthen the publicity of agricultural insurance in our province and improve farmers' awareness. Members of the joint meeting of agricultural insurance at all levels and agricultural insurance agencies should actively carry out agricultural insurance publicity through television, newspapers, internet and other news media and hold on-the-spot meetings, popularize agricultural insurance knowledge, and gradually cultivate farmers' awareness of insurance in three to five years to realize the goal of agricultural insurance in our province as soon as possible. Gradually unify the statistical caliber and submission standards of agricultural insurance data in our province, and establish and improve the working mechanism of monthly notification, quarterly analysis and annual summary of agricultural insurance in our province.
Third, make full use of the agricultural insurance policy of the central government, strengthen research and performance evaluation according to the pilot situation of policy agricultural insurance such as rice and tea in our province, and increase the pilot varieties and coverage of the "basic insurance+supplementary insurance" model in our province depending on the pilot implementation effect, the matching of financial funds at all levels, the needs of governments at all levels and farmers. Continue to encourage and support local governments to carry out agricultural product insurance with local characteristics and advantages according to local conditions.
The fourth is to improve the service system of agriculture, countryside and farmers' insurance, formulate and issue guiding opinions on the construction of agricultural insurance service outlets in towns and villages in our province as soon as possible, improve the rural grassroots insurance service system and enhance the service capacity of grassroots insurance. Innovate the organizational forms of "agriculture, countryside and farmers" insurance and encourage the development of various forms of mutual assistance and cooperation insurance.
Implementation Plan of Policy Agricultural Insurance in Guizhou Province
In order to further promote the work of agricultural insurance in our province, improve the coverage and guarantee degree of agricultural insurance, promote the sustained and stable development of agriculture in our province, accelerate the transformation from traditional agriculture to modern agriculture, continuously improve the service level of agricultural insurance, give better play to the service role of policy-based agricultural insurance in agricultural development in our province, and realize the continuous improvement of rural people's livelihood and the harmonious and healthy development of society. According to * * * * the State Council's Opinions on Strengthening Reform and Innovation to Accelerate Agricultural Modernization (Zhong Fa [20 15] 1No.), Notice of the Ministry of Finance on Further Strengthening Support to Do a Good Job in Agricultural Insurance Premium Subsidy (Jin Cai [2012] No.2) and
I. Basic principles
The work of policy-oriented agricultural insurance in our province should follow the basic principles of "government guidance, market operation, voluntary participation and coordinated promotion", combine the actual situation of our province, further improve the policy-oriented agricultural insurance support policy on the basis of preliminary pilot, continuously expand the types and coverage of policy-oriented agricultural insurance in our province, and establish and improve the dispersion and guarantee mechanism of agricultural risk transfer in our province.
(A) the principle of government guidance
Governments at all levels in our province and relevant functional departments such as financial office, finance, agriculture (animal husbandry), forestry and insurance supervision, through the organic combination of financial premium subsidies and other policies for supporting agriculture and benefiting farmers, unify leadership, organize and coordinate agricultural insurance work within their respective administrative areas, establish and improve the working mechanism for promoting the development of agricultural insurance, and guide the standardized and effective development of agricultural insurance work.
(B) the principle of market operation
Governments at all levels should improve their understanding that insurance is an important means to transfer and resolve risks under the conditions of market economy, and financial input should adapt to the laws of market economy. Agricultural insurance business should be based on government guidance and policy support, relying on the market-oriented operation of agricultural insurance agencies (hereinafter referred to as "agricultural insurance agencies") approved by insurance supervision and management institutions according to law, and actively use market-oriented means to prevent and resolve risks according to their own capabilities.
(3) the principle of voluntary participation
Farmers, agricultural production and operation organizations, agriculture-related enterprises, agricultural insurance agencies and other relevant parties involved in agricultural insurance should adhere to voluntary participation, and on the basis of observing the relevant provisions of the state, formulate relevant support policies according to local conditions according to their own wishes, tolerance and risk resistance, and choose to participate in agricultural insurance independently.
(D) the principle of coordinated promotion
Government departments at all levels and relevant parties involved in agricultural insurance work shall, in accordance with the responsibilities stipulated by the people's government at the corresponding level, jointly promote and manage agricultural insurance work within their respective jurisdictions, and establish a mechanism for sharing agricultural insurance-related information; Premium subsidy policy should be organically combined with agricultural credit and other policies to support agriculture and benefit farmers, and give full play to the comprehensive effect of fiscal policy; From the height of effectively protecting farmers' interests, we will cooperate and strongly support the propaganda, underwriting, survey, loss determination, claim settlement and disaster prevention of agricultural insurance, and actively and steadily promote agricultural insurance.
Second, the main content
The varieties of premium subsidies provided by the central and local governments are the main food crops and large livestock varieties that can increase farmers' income, promote the development of agriculture, rural areas and farmers, and ensure people's lives. At the same time, encourage all localities to invest1234 according to local financial conditions;