Specialty Insurance Model for Agricultural Products

Promoting the integrated development of rural primary, secondary and tertiary industries (hereinafter referred to as rural industries) is an important measure to broaden the channels of farmers' income, build a modern agricultural industrial system, and an inevitable requirement to accelerate the transformation of the mode of agricultural development and explore the road of agricultural modernization with Chinese characteristics. I. General requirements: 1. Guiding ideology. Comprehensively implement the spirit of the 18th CPC National Congress and the 18th Second, Third, Fourth and Fifth Plenums, in accordance with the CPC Central Committee and the State Council decision-making and deployment, adhering to the "Four Comprehensives" strategic layout, firmly establish the concept of development of innovation, coordination, green, openness, and **** enjoyment, and take the initiative to adapt to the new normal of economic development, the development of agriculture with the concept of industry, oriented to market demand, and to improve the development of agriculture with Chinese characteristics. Guided by market demand, centered on perfecting the benefit linkage mechanism, driven by innovation in systems, technologies and business models, and supported by new urbanization, it promotes structural reforms on the supply side of agriculture, focuses on constructing a modern industrial system that cross-fertilizes agriculture with the secondary and tertiary industries, and forms a new pattern of rural development integrating both urban and rural areas, promotes agricultural efficiency, farmers' increased income, and prosperity of rural areas, and provides an important support for the sustained and healthy development of the national economy and the building of a moderately prosperous society in all aspects. Provide important support for the sustained and healthy development of the national economy and the building of a moderately prosperous society in an all-round way. 2. Basic Principles. Adhere to and improve the basic rural business system, strictly abide by the red line of arable land protection, improve the comprehensive agricultural production capacity, and ensure national food security. Adhere to local conditions, classify and guide, and explore the integration mode of different regions and industries. Insist on respecting the wishes of farmers, strengthening benefit linkages, and ensuring that farmers receive reasonable value-added benefits from the industrial chain. Adhere to market orientation, give full play to the decisive role of the market in allocating resources, give better play to the role of the government, create a favorable market environment, and accelerate the cultivation of market players. Adhere to reform and innovation, break the bottleneck constraints of factors and obstacles of institutions and mechanisms, and stimulate the vitality of integrated development. Adhere to the linkage between agricultural modernization and new urbanization, coordinate with new rural construction, and guide the development of rural industrial agglomeration.3. Main objectives. By 2020, the overall level of integrated development of rural industries will be significantly improved, a new pattern of complete industrial chain, diverse functions, rich business forms, close interest links, and more coordinated integration of production and urbanization will be basically formed, agricultural competitiveness will be significantly improved, farmers' income will continue to increase, and the vitality of the countryside will be significantly enhanced. Second, the development of multiple types of rural industrial integration: 1. Efforts to promote new urbanization. Organically combine the integrated development of rural industries with the construction of new townships, and guide the concentration of rural secondary and tertiary industries in county cities, key townships and industrial parks. Strengthen planning guidance and market development, and cultivate small towns specializing in agricultural product processing, trade and logistics. Strengthen industrial support, the implementation of differentiated settlement policies, and strive to achieve the full coverage of basic public **** services in towns and cities of the resident population, stable absorption of the agricultural transfer of population. 2, accelerate the agricultural restructuring. With the combination of agriculture and animal husbandry, agriculture and forestry, recycling development as the guide, adjusting and optimizing the structure of agricultural planting and breeding, and accelerating the development of green agriculture. Build modern forage industry system, promote high-quality forage planting, and promote the coordinated development of the ternary planting structure of grain, cash crops and forage. Vigorously develop the combination of planting and breeding recycling agriculture, and rationally distribute large-scale farms. Strengthen the construction of marine pastures. Actively develop the forest economy and promote the composite management of agriculture and forestry. Promote new crop varieties suitable for deep processing and leisure picking. Strengthen the construction of agricultural standard system, strict management of the whole production process.3. Extend the agricultural industry chain. The development of agricultural production service industry, encourage the development of generation of plowing and planting and harvesting, field hosting, unified prevention and control, drying and storage and other market-oriented and professional services. Improve the primary processing of agricultural products to subsidize policies, expand the implementation of the scope of areas and varieties, primary processing of electricity to enjoy the agricultural electricity policy. Strengthen policy guidance to support the development of deep processing of agricultural products, and promote its concentration in advantageous production areas and key logistics nodes to accelerate the digestion of grain, cotton and oil stocks. Support the development of rural specialty processing industry. Accelerate the construction of cold chain logistics system for agricultural products, support the construction of wholesale markets in advantageous production areas, and promote the organic connection between the market circulation system and the layout of storage and processing. In each province (autonomous region and city), a certain proportion of the annual construction land index is singled out for the construction of auxiliary facilities such as processing of agricultural products, storage and logistics, and wholesale markets of origin by new agricultural business entities. Improve the marketing system of agricultural products, promote agricultural super, agricultural enterprises and other forms of production and marketing docking, and encourage the establishment of direct sales outlets for fresh and live agricultural products in urban communities. 4, expanding the multiple functions of agriculture. Strengthen integrated planning, promote the deep integration of agriculture and tourism, education, culture, health care and other industries. Actively develop various forms of agricultural entertainment, and improve the level of management and quality of service. A number of characteristic tourism villages and towns with historical, regional and ethnic characteristics and rural tourism demonstration villages have been built, and new types of rural tourism and leisure products have been developed in an orderly manner. Encourage regions with the conditions to develop intelligent rural tourism and improve online marketing capabilities. Strengthen the protection of traditional rural culture, rationally develop agricultural cultural heritage, vigorously promote farming culture education in schools, coordinate the use of existing resources to build bases for agricultural education and social practice, and guide the public, especially primary and secondary school students, to participate in agricultural popularization and farming experience. (The Ministry of Agriculture, the Tourism Bureau, the Development and Reform Commission, the Ministry of Finance, the Ministry of Education, the Ministry of Culture, the Ministry of Civil Affairs, and the Forestry Bureau are responsible for this) 5, vigorously develop new forms of agriculture. The implementation of the "Internet + modern agriculture" action, promote the application of modern information technology in agricultural production, management, management and services, and encourage the cultivation of large fields, livestock and poultry breeding, fisheries production and other Internet of Things transformation. Adoption of big data, cloud computing and other technologies to improve monitoring and statistics, analysis and early warning, information dissemination and other means to improve the monitoring and early warning system of agricultural information. Vigorously develop e-commerce in agricultural products and improve distribution and comprehensive service networks. Promote the integration of science and technology, humanities and other elements into agriculture, and develop creative agriculture such as farmland art landscape and balcony agronomy. Encourage the development of high-tech agriculture in the suburbs of large cities, such as factory and three-dimensional agriculture, and improve the ability to guarantee the supply of local fresh and live agricultural products. Encourage the development of agricultural production leasing business, and actively explore the personalized customized service of agricultural products, exhibition agriculture, agricultural crowdfunding and other new forms of business. 6, guide the development of industrial agglomeration. Strengthen the integration of rural industrial development and urban and rural planning, land use master plan effectively convergence, improve the county industrial spatial layout and functional positioning. The new arable land and construction land added through the collation of unused rural residential bases and land remediation will be prioritized for the integrated development of rural industries. Create agricultural industrialization demonstration bases and modern agricultural demonstration zones, improve the supporting service system, and form agricultural product distribution centers, logistics and distribution centers, and exhibition and marketing centers. Supporting the development of one industry in one township (county) and one product in one village, accelerating the cultivation of brands for rural handicrafts and rural specialties, and promoting the branding of agricultural products. Relying on national agricultural science and technology parks, agricultural research institutes and "Star Creation World", cultivate clusters of agricultural science and technology innovation and application enterprises. Cultivating diversified rural industrial integration subjects: 1. Strengthening the fundamental role of farmers' cooperatives and family farms. Encourage farmers' cooperatives to develop the processing and sales of agricultural products, and expand the areas of cooperation and service content. Encourage family farms to carry out direct sales of agricultural products. Guide college and university graduates, new types of professional farmers, and people returning from work and business to their hometowns to lead farmers' cooperatives, set up family farms, and carry out rural tourism and other business activities. Supporting qualified farmers' cooperatives and family farms to give priority to government projects related to agriculture, and implementing policies on direct investment of financial project funds in farmers' cooperatives and the transfer of assets to members of the cooperatives for their possession and care. Pilot innovation programs for farmers' cooperatives are being carried out, and the development of farmers' cooperative associations is being guided. Guiding land flow to farmers' cooperatives and family farms.2. Supporting leading enterprises to play a leading role in demonstration. Cultivate and grow leading enterprises in agricultural industrialization and key leading enterprises in forestry, guide them to focus on the development of agricultural product processing and circulation, e-commerce and agricultural socialization services, and build standardized and large-scale raw material production bases by means of direct investment, participation in operations, and signing of long-term contracts, so as to drive the development of farmers and farmers' cooperatives to develop moderate-scale operations. Leading enterprises should optimize the allocation of factor resources, strengthen industrial chain construction and supply chain management, and increase the added value of products. Encourage leading enterprises to build a modern logistics system and improve the marketing network of agricultural products. Give full play to the capital, technology, brand and management advantages of agricultural reclamation enterprises, cultivate large-scale modern agribusiness groups with international competitiveness, promote reclamation cooperation*** construction, demonstration and drive the integrated development of rural industries.3. Give full play to the comprehensive service advantages of supply and marketing cooperatives. Promote effective docking between supply and marketing cooperatives and new agricultural business entities, and cultivate large-scale agricultural product processing and circulation enterprises. Improve the business network of supply and marketing cooperatives, support the innovation of circulation methods and business models, and build national and regional e-commerce platforms. Supply and marketing cooperatives are expanding their business areas, extending their distribution services to the whole range of socialized agricultural services, and expanding their services to the full range of urban and rural community services, and providing farmers with convenient, affordable, safe and high-quality services in key areas and links such as the supply of agricultural materials, the circulation of agricultural products, and rural services.4. Actively developing trade associations and industrial alliances. Give full play to the role of industry associations in self-regulation, education and training, and brand marketing, and carry out standard-setting and business model promotion. In areas such as quality testing and credit assessment, functions suitable for industry associations will be transferred to industry associations. Encourage leading enterprises, farmers' cooperatives, agriculture-related colleges and research institutes to set up industrial alliances, and support the alliance members to realize mutual information and complementary advantages through *** the same research and development, industrialization of scientific and technological achievements, financing and borrowing, *** have a brand, unified marketing, etc. 5. Encourage the input of social capital. Optimize the rural market environment, encourage all kinds of social capital investment in agriculture and rural areas, the development of modern planting and raising industries suitable for entrepreneurial management, the use of rural "four barren" (barren mountains, barren ditches, barren hills, barren beaches) resources to develop a variety of business, agricultural environmental management, farmland water conservancy construction and ecological restoration. Relevant national support policies for all types of social capital investment projects are treated equally. For social capital investment in the construction of contiguous area of a certain scale of high-standard farmland, ecological public welfare forests, etc., allowed in line with land management laws and regulations and the overall land use planning, according to the law to handle the approval procedures for construction land use, and adhere to the premise of saving and intensive land use, the use of a certain proportion of land to carry out sightseeing and recreational tourism, processing and distribution and other business activities. Rural service industries that can be operated commercially should be fully opened up to social capital. Actively guide foreign investment in the integrated development of rural industries. Fourth, establish a multi-form benefit linkage mechanism: 1. Innovate the development of order agriculture. Guide leading enterprises to sign purchase and sales contracts for agricultural products with farmers, family farms and farmers' cooperatives on the basis of equality and mutual benefit, reasonably determine the purchase price, and form stable purchase and sales relationships. Support leading enterprises to provide loan guarantees for farmers, family farms and farmers' cooperatives, and subsidize order farmers to participate in agricultural insurance. Encourage cooperation in the production and marketing of agricultural products, establish technology development, production standards and quality traceability systems, set up *** with the marketing fund, create joint brands, and realize the benefits *** enjoyment. 2. Encourage the development of joint-stock cooperation. Accelerating the reform of the rural collective property rights system, confirming and registering the right to operate land contracting and issuing certificates to households, and quantifying collective operating assets in shares to households. Local people's governments may explore the development and release of benchmark land prices for agricultural land within their administrative areas, providing a reference basis for farmers to acquire or transfer their land into shares. In all forms of cooperation based on land and forest land, all contracted operators who enjoy financial input or policy support should become shareholders, and adopt such forms as "guaranteed income + dividends by share", so that farmers can share in the processing and sales of income. Explore the formation of share cooperatives and joint-stock cooperative enterprise profit distribution mechanism based on farmers' contracted land management right, and effectively guarantee the income of the part of the land management right. 3. Strengthen the social responsibility of industrial and commercial enterprises. Encourage industrial and commercial enterprises engaged in the integrated development of rural industries to prioritize the employment of farmers who have transferred out of their land, and provide them with skills training, employment positions and social security. Guide industrial and commercial enterprises to give full play to their own advantages, radiation drive farmers to expand the scale of production and operation, and improve the level of management. Improve the recognition and monitoring system of leading enterprises, implement dynamic management, and gradually establish a social responsibility reporting system. Strengthen the incentive mechanism for leading enterprises to link up with farmers, and link the relevant state support policies with the benefit linkage mechanism.4. Improve the risk prevention mechanism. Stabilize the land transfer relationship, promote the physical rent monetary settlement, dynamic adjustment of rent and other pricing methods. Regulate the behavior of industrial and commercial capital leasing agricultural land, and establish a hierarchical filing system for the transfer of land management rights contracted by farmers. Guiding localities to establish a risk guarantee fund system for land transfer and contract farming, and exploring the combination of agricultural insurance and guarantees to improve risk prevention capabilities. Enhancing the contractual awareness of new agricultural management subjects and encouraging the development of a credit rating methodology system suitable for rural characteristics. Developing and implementing model texts for agriculture-related contracts, and cracking down on fraudulent and illegal behavior of agriculture-related contracts in accordance with the law. Strengthen the supervision of land transfer, orders and other contract performance, establish and improve the dispute mediation and arbitration system to protect the legitimate rights and interests of both parties. V. Improve multi-channel rural industrial integration services: 1, build public **** service platform. Based on counties (cities and districts), build a comprehensive rural information service platform to provide e-commerce, rural tourism, agricultural Internet of Things, price information, public **** marketing and other services. Optimize the rural business incubation platform, establish an online technical support system, and provide customized solutions such as design, creativity, technology, market, financing and other entrepreneurial services. Build a rural property rights transfer and trading market and guide its healthy development. Take the form of government purchase, funding and incentives to guide scientific research institutions, industry associations and leading enterprises to provide public **** services.2. Innovate rural financial services. Develop rural inclusive finance, optimize the layout of financial institutions in the county, and promote full coverage of basic financial services in rural areas. Comprehensive use of incentives, subsidies, tax incentives and other policies to encourage financial institutions to establish close cooperative relationships with new agricultural business subjects, promote the industrial chain financial model, and increase credit support for the integrated development of rural industries. Push forward the pilot marketing loans for large-scale business entities in food production, and carry out the pilot mortgages for the management rights of rural contracted land and farmers' housing property rights in a steady and orderly manner. Adhere to the principles of membership, closure and democratic management, develop new types of rural cooperative finance, and carry out pilot projects of mutual financial assistance within farmers' cooperatives in a steady manner. Encourage the development of government-supported "three rural" financing guarantee and re-guarantee organizations to provide guarantee services for agricultural business entities. Encourage the development of financial leasing business that supports the integrated development of rural industries. Actively promote the docking of agriculture-related enterprises with multi-level capital markets, and support qualified agriculture-related enterprises to raise funds through bond issuance and asset securitization. Strengthen cooperation between agriculture-related credit and insurance, and broaden the scope of agricultural insurance policy pledges.3. Strengthen talent and scientific and technological support. Accelerate the development of rural education, especially vocational education, and increase the cultivation of practical rural talents and new professional farmers. Increase policy support, guide various types of scientific and technological personnel, college and university graduates and so on rural entrepreneurship, the implementation of the three-year action plan to encourage rural migrant workers and other people to return to their hometowns to start their own businesses and modern young farmers program, to carry out the action of one million rural tourism entrepreneurs. Encourage scientific researchers to work part-time in rural cooperatives and agribusinesses, and improve incentive mechanisms such as the sharing of intellectual property rights and participation in dividends. Support agricultural enterprises and research institutions to carry out scientific and technological innovation for the integrated development of industries, and actively develop new technologies for the processing and storage of agricultural products, as well as grading and packaging.4. Improve the infrastructure conditions in agriculture and rural areas. Coordinate the implementation of the national master plan for the construction of high-standard farmland, continue to strengthen rural land remediation and farmland water conservancy infrastructure construction, and upgrade medium- and low-yield fields. It will accelerate the improvement of rural water, electricity, roads, communications and other infrastructure. It will strengthen rural environmental improvement and ecological protection, and build a new rural area that is sustainable, healthy and environmentally friendly. Coordinate the planning and construction of rural logistics facilities, and gradually improve the rural logistics network system supported by logistics nodes at the county, township and village levels. Improve the supporting facilities for leisure agriculture and rural tourism such as roads, power supply, water supply, parking lots, observation decks, visitor reception centers, etc. 5. Support the integrated development of rural industries in impoverished areas. Support poor areas based on local resource advantages, the development of characteristic breeding industry, agricultural product processing industry and rural tourism, e-commerce and other rural service industries, the implementation of rural industrial integration projects that meet local conditions and adapt to market demand, to promote accurate poverty alleviation and poverty alleviation, and the relevant support funds are tilted to the poverty-stricken areas. Encourage economically developed regions to cooperate with poor regions in the development of rural industrial integration, and support enterprises and institutions, social organizations and individuals to invest in rural industrial integration projects in poor regions. Sixth, improve the promotion mechanism of rural industrial integration: 1. Increase financial and tax support. Support localities to expand the scope of pilot industries for approved deduction of input tax for agricultural product processing enterprises, and improve the preferential catalog of income tax for primary processing of agricultural products. Implement tax support policies for small and micro-enterprises, and actively support the development of new types of industries and business models such as "Internet + modern agriculture". Coordinate the arrangement of financial funds related to agriculture, and increase investment in the integration of rural industries; the central government will arrange a portion of funds within the existing funding channels to support the pilot development of the integration of rural industries, and the central government will tilt the investment in the central budget and the funds for the comprehensive development of agriculture towards the development of the integration of rural industries. Innovate the use and management of government funds related to agriculture, study through government and social capital cooperation, the establishment of funds, loan interest subsidies, etc., to drive social capital into the field of rural industrial integration. 2, carry out pilot demonstrations. Focusing on industrial integration mode, main body cultivation, policy innovation and investment and financing mechanism, carry out pilot demonstration of rural industrial integration development, actively explore and summarize successful practices, form replicable and scalable experience, and promote the accelerated development of rural industrial integration.3. Implement local responsibilities. Local people's governments at all levels should effectively strengthen organizational leadership, put the promotion of integrated development of rural industries on the important agenda, into the overall planning of economic and social development and the annual plan; to innovate and improve rural governance mechanisms, strengthen the classification guidance, and explore the integration of development modes according to local conditions. County-level people's governments should strengthen the main responsibility, develop specific implementation programs, and guide the capital, technology, talent and other factors to the integration of rural industry agglomeration. 4, strengthen departmental collaboration. All relevant departments should, in accordance with the spirit of this opinion, urgently develop and improve the relevant planning, policy measures, close collaboration to ensure that the tasks are put in place.

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