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[ China Agricultural Machinery Industry News ] Agricultural machinery is the guarantee of agricultural life, then what is the protection of agricultural machinery? Of course, agricultural machinery insurance. It can be said that the emergence of agricultural machinery insurance has worn an "insurance coat" for agricultural machinery that has been in the "streaking" state in the past.
However, due to the particularity of the construction and design of the agricultural machinery, most of the gears, belts and blades are exposed, which causes more safety risk factors in the operation of the agricultural machinery. In recent years, reports on agricultural machinery accidents throughout the country have been common, and the life and property of agricultural operators Being seriously threatened, it is imperative to implement the agricultural machinery insurance policy. As a long-term worker in the supervision of agricultural machinery, the author analyzed the implementation status of agricultural machinery insurance in Lixin County and put forward his own opinions on the future development.
Analysis on the Problems of Agricultural Machinery Insurance Work in Lixin County
Lixin County is located in the northwestern part of Anhui Province and is affiliated to Ganzhou City. It is a large agricultural machinery county. The total power of agricultural machinery in the county is 1.9 million kilowatts, 200 agricultural machinery cooperatives, 7,000 large and medium tractors, and 6,200 combined harvesters. More than 120,000 employees, the county's comprehensive agricultural mechanization level reached 98%. In 2014, it was rated as the “Ping An Agricultural Machinery†demonstration county in the province. In 2015, it was awarded the national “Safe Agricultural Machinery†demonstration county.
In recent years, the social service system of agricultural machinery in Lixin County has been basically improved, and the use efficiency of agricultural machinery has been continuously improved. Agricultural machinery operators have increased their income and wealth through the operation of agricultural machinery and cross-regional operations, and made positive contributions to increasing agricultural production and increasing farmers' income. However, with the increase of agricultural machinery and the development of cross-regional operations, the safety of agricultural machinery has become increasingly prominent, and personal injury and property damage accidents have occurred. In view of the severe challenges facing the safe production of agricultural machinery, the unwillingness of insurance companies to underwrite and the euphemism, the agricultural machinery department of Lixin County actively reported to the government, tried to handle various types of agricultural machinery insurance for the operators, and tried every means to implement local financial subsidy funds. The situation of agricultural machinery insurance has effectively safeguarded the interests of farmers, ensured that the road tractors and combine harvesters were insured and insured, which effectively promoted the development of agricultural safety management in the county, and was supported by the majority of agricultural machinery and superior business management departments and insurance supervision departments. Praise.
The status quo and practice of characteristic agricultural machinery insurance
Since 2014, the interest rate agricultural machinery supervision station and the national insurance company have continuously innovated the special agricultural machinery insurance underwriting scheme, improved the participation rate of the characteristic agricultural machinery insurance, and improved the county agricultural machinery industry risk guarantee mechanism. In the past three years since the launch of the characteristic agricultural machinery insurance, the county has a total of 6,000 tractors and combine harvesters insured and intensive insurance, with an annual participation rate of 95%; the accumulated insurance premiums for various types of agricultural machinery insurance reached 2.1 million yuan, and the county’s operators have enjoyed government financial subsidies. Up to 700,000 yuan, the special agricultural machinery insurance claims 650,000 yuan, effectively avoiding the poverty caused by the machine operator compensation for agricultural machinery accidents, bringing considerable benefits to the operators. It has opened a new chapter in the agricultural machinery insurance work in Lixin County, and initially formed a model of agricultural machinery insurance that government support, agricultural machine operators benefit, and underwriting company profits.
The agricultural machinery department of Lixin County focuses on the following four tasks:
First, strive for leadership attention, and strive to put agricultural machinery insurance on the important position of agricultural and rural work. According to the spirit of the State Council's "Opinions on Promoting Sound and Rapid Development of Agricultural Mechanization and Agricultural Machinery Industry" in 2011, the County Agricultural Insurance Leading Group Office formulated and issued the "Implementation Plan for Lixin County's Characteristic Agricultural Machinery Insurance Work", and the county financial budget listed 30. 10,000 yuan of funds, will be engaged in agricultural production of large tractors, strong insurance, on-board personnel liability insurance and combine harvester insurance, on-board personnel liability insurance, third-party liability insurance and other two agricultural insurance plans into the scope of financial subsidies, given by the county finance 30% premium subsidy. In accordance with the agricultural policy insurance management implementation method, unified by the national agricultural insurance company underwriting, in order to achieve the insurance industry's large law, to resolve risks. In the actual operation, Guoyuan Company implemented the insurance for the difference of agricultural machinery, the supervision of the agricultural machinery supervision department, and the timely settlement of the insurance company with the financial department, so as to facilitate the agricultural machinery.
The second is to break through the difficulties and coordinate the arrangement of agricultural machinery insurance and agricultural insurance. Under the great attention of the leaders of the county finance bureau, the agricultural machinery department and the insurance company have clarified the working procedures, work requirements and work measures for the specific operation of agricultural machinery insurance, established a cooperation mechanism, built a ledger, and cleared the insurance processing and claims information exchange. The channel has enabled the county to carry out agricultural machinery insurance work in a steady and orderly manner.
The third is to closely cooperate and continuously innovate the work measures of agricultural machinery insurance. The key to the agricultural machinery insurance work is to really benefit the farmers' operators. The key is to do the accident rescue and loss claims work. Only in this way can the agricultural machinery insurance benefit the farmers' policy effect and truly promote the safe production of agricultural machinery.
To this end, the agricultural machinery supervision department set up a special leading group on the emergency rescue and compensation for agricultural machinery accidents, and formulated a specific implementation plan, relying on two agricultural machinery supervision working groups, dicing and contracting, responsibility to people, for the county The agricultural machinery production operations in towns and villages are always in control, the accident rescue is prompt and timely, and the fixed damage claims are coordinated. The fourth is extensive publicity, raising the awareness of the aircraft operator on agricultural machinery insurance, strengthening the awareness of agricultural machinery safety risk prevention, and further promoting the county's agricultural machinery insurance work. Under the new work framework, the county agricultural insurance work leading group, agricultural machinery department and insurance company establish and improve the underwriting claims business service network, and jointly provide convenience for the underwriting, contract signing, risk investigation and accident claims of the aircraft insured. Service, do a good job in propaganda and launch work. Make full use of radio, television, newspapers and other news media and exhibition cards, brochures, slogans, Ping An Agricultural Machinery, etc. to carry out targeted point-to-point publicity and launch work. Through multi-level and multi-channel publicity and launch, it has created a strong atmosphere of participation, so that the majority of operators have taken the initiative to insure, creating a good public opinion atmosphere for the smooth development of agricultural machinery insurance.
At present, the positive effects of agricultural machinery insurance in Lixin County are gradually being reflected. The implementation of financial subsidies for agricultural machinery insurance has greatly reduced the burden on farmers' machine operators and improved the safe production level of agricultural machinery. Under the guidance of financial subsidies, the enthusiasm of the majority of agricultural machinery households has gradually increased, and the problems of the agricultural machinery, the Shanghai Stock Exchange and the inspection rate, which are restricted by insurance, have been improved to a certain extent, and the management of agricultural machinery has been promoted. The development of the work, the "three rates" of agricultural machinery has steadily increased. Timely claims have improved the ability of farmers to quickly resume production after agricultural machinery accidents, effectively reducing the problem of farmers returning to poverty due to accidents, and enhancing the ability of farmers to deal with accident risks.
Problems in the work of characteristic agricultural machinery insurance
The design of agricultural machinery insurance plan should be closer to the requirements of agricultural machinery operators. In Lixin County, for example, due to the high insurance cost of tractors and combine harvesters, despite the requirements of agricultural operators, the agricultural machinery supervision and insurance departments have to give up, taking into account the tolerance of agricultural operators and the restrictions on subsidy funds. In the recent wheat field fire accident, a new machine purchased by a farmer for more than 100,000 yuan has suffered heavy losses, which is regrettable but can not help.
The personnel liability insurance premium on the combine harvester is high, the insurance amount is low, and the operator's resistance is high. In the past few years, the combine harvester insurance is onboard personnel liability insurance, and it costs 360 yuan to protect 55,000 yuan. In recent years, the county's high-performance crawler combine harvesters have grown rapidly. These harvesters are generally loaded by trucks, not running on the road, and have high safety performance, low risk rate and short working time. Therefore, they are in danger of dealing with tractors. Compared with the premium, the premium appears to be high. Although there is a financial subsidy of 30%, the combined harvester is not very motivated.
The unified policy of the province is imperative. Farmland operation Agricultural machinery safety management is the responsibility of the agricultural machinery department. Improving its management rate, certificate holder rate and annual inspection rate are also strict requirements of higher authorities. Implementing farmland operation agricultural machinery insurance subsidy policy is also a national policy orientation, and a unified agricultural machinery is formulated. The license management policy and the insurance subsidy policy are imperative. After the agricultural machinery participates in the insurance, it provides guarantee for the safe production of agricultural machinery, so that the agricultural machinery accidents can be properly disposed in time, and the safety management, safety publicity, and accident statistics work measures can be ensured, which is conducive to the stability of rural society.
Suggestions and countermeasures
The provincial level should clarify the insurance method for combine harvesters. The first is to clarify the type of insurance. The combine harvester is motivated and also walks on the road, and should be insured according to the strong insurance. This will reduce the premiums, increase the amount of insurance, increase the level of farmers' protection, and reduce the farmers' premiums. Second, as insurance for the insurance, it is necessary to stipulate that the combine must be insured instead of “encouraging and mobilizing the fighters to participate in the insuranceâ€. The formulation. The third is to clarify the method of insurance. When the combine harvester goes through the annual inspection procedures, it will go through the insurance procedures together. Fourth, it is necessary to clarify the supervision method. The combine harvester must first show the insurance policy before receiving the “cross-regional operation permitâ€. Otherwise, it will not be given. Issue the Interregional Work Permit. At the same time, strengthen the road inspection road inspection, check the insurance policy and check driving license, driving license, cross-regional operation permit are all necessary conditions, without the policy in accordance with the provisions of the "Road Traffic Act". And appropriately increase the proportion of financial policy insurance subsidies for agricultural machinery.
Reasonably set the insurance rate for agricultural machinery. For the insurance of agricultural machinery, the amount of premiums such as car damage insurance should be related to the frequency, time period and risk rate of agricultural machinery use. The frequency of use, the rate of risk and the rate should be proportional. For example, the combine harvester's workplace also determines that the accident rate is much lower than that of the tractor, so its car damage insurance premium should be reduced accordingly.
The funds for financial subsidies must be in place in advance. The long-term work practice shows that the insurance company's practice of paying out the bill and paying the full amount after the full payment is restricted to the increase of the participation rate. Especially in the case of high premium standards, the opinions of the operators are very large. Therefore, we must strive to achieve the financial subsidy funds in advance, so that the remaining costs after the operator pays the financial subsidies, which is conducive to the enthusiasm of the agricultural machinery to participate in the insurance, while providing better services for the operators.