In recent years, China United Property & Casualty Insurance Co., Ltd. (hereinafter referred to as "China Property & Casualty") has always adhered to the development concept of innovation-led, technology-supported and service-oriented, explored the construction of an integrated service system of "protection, prevention and compensation" of agricultural insurance, actively helped increase agricultural production and farmers' income, and continuously strengthened the application of science and technology in the fields of precise underwriting and claims, agricultural disaster prevention and mitigation, etc., to provide solid insurance protection and diversified financial services for agricultural production, demonstrating the social responsibility of state-owned enterprises.
"Insurance + technology" empowers the "high-quality development project of 100 counties, thousands of towns and thousands of villages".
In Zhaoqing City, Guangdong Province, China Property & Casualty Insurance Co., Ltd. and Zhaoqing Seed Improvement Center jointly built an agricultural disaster prevention and mitigation demonstration project, steadily promoted the pilot project of "Insurance + Harmless Treatment of Sick and Dead Livestock and Poultry" of the Ministry of Agriculture and Rural Affairs in Huaiji County, and built a "5G + Internet of Things" intelligent fishery refined management service system (also known as "Insurance Cloud Fish Pond") in Sihui City, effectively giving full play to the role of agricultural insurance as a "stabilizer" for "three rural" services and a "flag bearer" for rural revitalization, and actively empowering the "high-quality development project of 100 counties, thousands of towns and thousands of villages".
Zhaoqing Seed Center. Photo by Gao Zhe of People's Daily Online.
Zhaoqing Seed Center is the cradle of local seed industry protection and development. In July 2023, China Property & Casualty Insurance and Zhaoqing Municipal Bureau of Agriculture and Rural Affairs signed the Agreement on Twinning and Co-construction of Grassroots Party Organizations to strengthen cooperation in Party building and co-construction. At the same time, it signed the "Cooperation Agreement on Financial Boosting the Development of Zhaoqing Agricultural Improved Varieties and the Demonstration and Promotion of Improved Seeds" with the Zhaoqing Improved Seed Center to strengthen the protection of the seed industry in Zhaoqing City. China Property & Casualty Insurance, Zhaoqing Municipal Bureau of Agriculture and Rural Affairs, Zhaoqing Seed Center and other units reached a consensus on strengthening the construction of an integrated service system for agricultural insurance, and planned to build a platform for demonstration, learning and Xi for the high-quality development of agriculture in Zhaoqing through the joint construction of demonstration projects such as the Digital Seed Industry Cultivation Center.
It is reported that the digital seed industry cultivation center jointly built by China Property Insurance and Zhaoqing Seed Center is composed of five parts: field data monitoring area, water and fertilizer intelligent control area, temperature and humidity intelligent control area, excellent germplasm display area and high-end seedling cultivation area. Through the Internet of Things technology, the real-time monitoring data of water and fertilizer, climate, soil moisture, seedling condition and other real-time monitoring data are interconnected with the production operating system, so as to realize the automatic management of light, temperature (humidity), irrigation, fertilization, carbon dioxide concentration and so on in the shed, and the mobile phone APP can monitor and inspect at any time. In addition, China Property & Casualty Insurance has also built an agricultural (planting) disaster monitoring and early warning workstation for the project, which realizes the functions of Internet of Things insect detection, multi-layer detection of soil moisture, real-time seedling monitoring in the field, and automatic monitoring of agricultural meteorology, so as to improve the defense capability of pests and diseases and meteorological disasters through "insurance + technology", improve land use efficiency, and help increase agricultural production and farmers' income.
Zhaoqing Seed Center Agricultural (Planting) Disaster Monitoring and Early Warning Workstation. Photo by Gao Zhe of People's Daily Online.
In order to actively protect the safety of the people's dining table, China Property & Casualty Insurance Co., Ltd. has joined hands with Hanlan Camel King Biotechnology (Zhaoqing)** in Zhaoqing to promote the "Insurance + Harmless Treatment of Sick and Dead Livestock and Poultry" linkage project (also known as the "Insurance Linkage" project) in Huaiji County. Through the information management platform of "linkage of protection and department", the visual supervision and management of the harmless treatment process of sick and dead pigs is realized, so as to avoid the flow of sick and dead pigs into the consumer market. It is reported that the project will eventually build a service system covering pig breeding management, animal epidemic prevention supervision, live pig mortgage financing loans, food safety traceability and other functions, so as to further improve the risk defense level of pig breeding, protect ecological environment resources and ensure food safety. It is worth mentioning that in 2019, the service model of "live pig mortgage + policy credit enhancement + bank credit" pioneered by China P&C insurance industry has increased credit for the pig breeding industry by more than 300 million yuan so far, contributing a solid financial force to the stable production and supply of pigs.
"Insurance + technology" to improve agricultural disaster prevention and mitigation capabilities
As a pioneer in agricultural insurance, China Property & Casualty Insurance Co., Ltd. has continuously broadened the coverage and improved the degree of protection through "expanding coverage, increasing products and upgrading standards", focusing on service innovation and exploration in the field of "smart agriculture", and striving to give full play to the function of insurance as a "shock absorber" and social "stabilizer" for disasters.
China Property & Casualty Insurance Zhaoqing Taier Sauerkraut Fish Base "Insurance Cloud Fish Pond" equipment. Photo by Gao Zhe of People's Daily Online.
In 2022, China Property & Casualty launched the industry's first "5G + Internet of Things" intelligent fishery refined management service system (also known as "Insurance Cloud Fish Pond") in Guangdong, empowering the "construction of beautiful fish ponds" through a new integrated development model of "insurance + technology + service". In order to improve the risk defense level of aquaculture farmers, China Property & Casualty Insurance has developed a "Smart Fishery" mini program, which allows farmers to view water indicators, the surrounding environment of the farm and the growth status of aquaculture animals through their mobile phones after registering the mini program. If there is an abnormality, the Mini Program will remind farmers to identify risks and take risk prevention measures as soon as possible. At the same time, the "Insurance Cloud Fish Pond" project also provides aquaculture farmers with "policy + commercial supplement" dual protection products and services, which includes the disaster prevention and relief costs caused by sudden weather changes into the scope of insurance protection, and improves the risk defense ability of agricultural production. It is understood that up to now, China Property Insurance has equipped more than 200 sets of production management equipment for the fish ponds of more than 70 aquaculture enterprises (households) in 16 cities in Guangdong Province, including water quality monitors, micro weather stations, underwater cameras, etc., and has realized the interconnection of all equipment in the farm through mobile 5G.
At the same time, the "Smart Oyster Farm" project has also attracted attention, focusing on the construction of "marine ranches", and China Property Insurance has also explored a new financial service model of "insurance + technology + traceability + financing".
Through the vigorous development of the oyster farming industry, Chenzhou Village, Hongcao Town, Shanwei City, Guangdong Province, has gradually led the local villagers to embark on a well-off road of increasing the income of oyster people, increasing the efficiency of the oyster industry, and making the oyster village prosperous. On May 16, 2023, under the guidance of relevant local units, China Property & Casualty officially delivered the "Smart Oyster Farm" risk monitoring system to oyster farmers in Chenzhou Village, including 34 sets of risk monitoring equipment and software service platform.
Over the years, China Property & Casualty has always adhered to the original mission of "serving the country, rural areas and rural areas, serving the people's livelihood, and providing insurance protection for the people wholeheartedly", strengthened innovation and guidance, improved the level of disaster prevention, helped increase agricultural production and farmers' income, and solidly empowered the implementation of the rural revitalization strategy with practical actions. In the future, we will continue to integrate various advantageous resources, explore the establishment of more innovative service models for financial support for agriculture, and better play the role of agricultural insurance as a "stabilizer" and "ballast stone" to escort agricultural production.
*: People's Daily Online.
Editor: Feng Lei.