今年起(qi)，種植香蕉(jiao)、荔枝、龍眼、木瓜等4類水果均可投保(bao)(bao)，這對(dui)于湛江廣大農戶來說，是件天大的好事。只(zhi)需付出小額的保(bao)(bao)險(xian)費用，就能在遭遇(yu)風險(xian)時獲(huo)得較大補償，這對(dui)于促進我市(shi)特(te)色水果種植業做(zuo)大做(zuo)強和(he)農民增收，都有著至關重要的作用。

　　猶記得(de)去(qu)年強臺(tai)風“彩(cai)虹”襲擊湛(zhan)江后第四天(tian)，全(quan)市(shi)16戶買了(le)政策性香蕉(jiao)保(bao)險的(de)蕉(jiao)農(nong)就收(shou)到(dao)了(le)保(bao)險公司高(gao)達376萬(wan)元的(de)賠(pei)付款(據2015年10月(yue)13日《湛(zhan)江日報》)。正是有了(le)這一筆賠(pei)付款，這些蕉(jiao)農(nong)得(de)以在極短的(de)時間內購買蕉(jiao)苗，恢(hui)復生產。用(yong)一位蕉(jiao)農(nong)的(de)話概括，就是“幸好買了(le)保(bao)險!”農(nong)業保(bao)險對農(nong)戶的(de)“保(bao)護傘”作用(yong)，由此(ci)可見(jian)一斑。

　　湛(zhan)江(jiang)幾乎每(mei)年都會(hui)遭(zao)遇(yu)臺風(feng)侵襲(xi)，每(mei)次(ci)都對我(wo)市農(nong)(nong)(nong)(nong)業(ye)造成嚴(yan)重損(sun)失。再(zai)加上偶爾(er)突襲(xi)的干(gan)旱和洪澇災害(hai)，農(nong)(nong)(nong)(nong)業(ye)生產面對的風(feng)險(xian)(xian)著(zhu)實不少。遭(zao)遇(yu)損(sun)失，農(nong)(nong)(nong)(nong)戶(hu)以往(wang)主要靠政(zheng)(zheng)府財(cai)政(zheng)(zheng)補貼(tie)和社會(hui)救濟這(zhe)兩種辦(ban)法來(lai)解決。然而(er)，政(zheng)(zheng)府財(cai)政(zheng)(zheng)資金(jin)有(you)限，社會(hui)救濟速度和力度都難以保(bao)證，因此農(nong)(nong)(nong)(nong)戶(hu)很(hen)多(duo)時候(hou)只能干(gan)著(zhu)急等(deng)救助。沒有(you)資金(jin)，就(jiu)談不上復產保(bao)收，這(zhe)很(hen)容易造成對受(shou)災農(nong)(nong)(nong)(nong)戶(hu)的“二(er)次(ci)傷害(hai)”。如今，有(you)了農(nong)(nong)(nong)(nong)業(ye)保(bao)險(xian)(xian)之后，農(nong)(nong)(nong)(nong)戶(hu)無疑多(duo)了一個規避風(feng)險(xian)(xian)的有(you)效渠(qu)道。而(er)關鍵(jian)就(jiu)在于，我(wo)市該怎(zen)樣推廣(guang)落實農(nong)(nong)(nong)(nong)業(ye)保(bao)險(xian)(xian)?

　　讓農(nong)(nong)(nong)(nong)(nong)業(ye)(ye)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)成(cheng)(cheng)為名(ming)副其(qi)實的(de)(de)“保(bao)(bao)(bao)(bao)護傘”，首先就(jiu)(jiu)要(yao)讓廣大(da)農(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)，特別是貧困(kun)(kun)農(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)參保(bao)(bao)(bao)(bao)。在(zai)(zai)我國(guo)一(yi)些農(nong)(nong)(nong)(nong)(nong)業(ye)(ye)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)發(fa)展較快的(de)(de)地區，正在(zai)(zai)探索一(yi)種全新的(de)(de)“農(nong)(nong)(nong)(nong)(nong)業(ye)(ye)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)農(nong)(nong)(nong)(nong)(nong)業(ye)(ye)信貸(dai)(dai)”的(de)(de)扶貧新模式，把精準(zhun)扶貧和農(nong)(nong)(nong)(nong)(nong)業(ye)(ye)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)有(you)機結合在(zai)(zai)一(yi)起(qi)。購買了農(nong)(nong)(nong)(nong)(nong)業(ye)(ye)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)農(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)不(bu)僅在(zai)(zai)遭遇損失時會拿到賠(pei)付(fu)款(kuan)，還能同(tong)時得到銀行(xing)等機構更(geng)(geng)多(duo)的(de)(de)信貸(dai)(dai)支持(chi)(chi)。這是因為與一(yi)般農(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)相(xiang)比，參保(bao)(bao)(bao)(bao)農(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)多(duo)了農(nong)(nong)(nong)(nong)(nong)業(ye)(ye)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)這一(yi)重保(bao)(bao)(bao)(bao)障，更(geng)(geng)具復產保(bao)(bao)(bao)(bao)收的(de)(de)能力，這就(jiu)(jiu)大(da)大(da)降低了融資風(feng)險(xian)(xian)(xian)(xian)，銀行(xing)自然也更(geng)(geng)愿意為其(qi)發(fa)放貸(dai)(dai)款(kuan)。這樣(yang)一(yi)來，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)和信貸(dai)(dai)就(jiu)(jiu)會形成(cheng)(cheng)良性循(xun)環，參保(bao)(bao)(bao)(bao)農(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)也能從中得益(yi)，貧困(kun)(kun)農(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)就(jiu)(jiu)更(geng)(geng)有(you)把握走(zou)上(shang)致富(fu)路(lu)。但現實是，最應(ying)投保(bao)(bao)(bao)(bao)的(de)(de)貧困(kun)(kun)農(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)往(wang)往(wang)會因為資金不(bu)足等原因不(bu)投保(bao)(bao)(bao)(bao)，解決這個問題需(xu)要(yao)相(xiang)關部門共(gong)同(tong)發(fa)力，加(jia)大(da)宣傳和扶持(chi)(chi)力度，共(gong)同(tong)推進農(nong)(nong)(nong)(nong)(nong)業(ye)(ye)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)落(luo)地。

　　在擴大(da)參保覆蓋面(mian)的同時，我們(men)更要(yao)重視做好(hao)農(nong)(nong)業(ye)保險(xian)(xian)(xian)的監(jian)(jian)管(guan)工作。從近年來省外一(yi)(yi)(yi)些(xie)地方查辦(ban)的案(an)例來看，政策性農(nong)(nong)業(ye)保險(xian)(xian)(xian)背后往(wang)往(wang)容易滋生腐敗(bai)現(xian)象(xiang)。一(yi)(yi)(yi)些(xie)農(nong)(nong)業(ye)保險(xian)(xian)(xian)經辦(ban)人員利用(yong)職權之便，或冒(mao)用(yong)他人名義虛(xu)報理賠(pei)，或夸大(da)受損面(mian)積、程度(du)騙取賠(pei)付款。一(yi)(yi)(yi)些(xie)農(nong)(nong)戶(hu)對農(nong)(nong)業(ye)保險(xian)(xian)(xian)的認識(shi)(shi)存在誤(wu)區，警惕性差(cha)，監(jian)(jian)督(du)意識(shi)(shi)更是缺(que)乏，這就讓一(yi)(yi)(yi)些(xie)不(bu)法分子(zi)有(you)了冒(mao)領騙取賠(pei)付款的空(kong)間(jian)。因此(ci)在推(tui)廣(guang)落實農(nong)(nong)業(ye)保險(xian)(xian)(xian)的同時，我們(men)也(ye)要(yao)緊(jin)跟著做好(hao)相(xiang)關監(jian)(jian)管(guan)工作，這樣才能(neng)讓農(nong)(nong)業(ye)保險(xian)(xian)(xian)發揮“保護傘”的作用(yong)。

　　省(sheng)(sheng)政(zheng)府(fu)已下發《廣(guang)東省(sheng)(sheng)政(zheng)策(ce)性嶺(ling)南特色(se)水果(guo)(guo)種植保險(xian)試點實施方案》，今年開始，針對(dui)香蕉、荔枝(zhi)(zhi)、龍(long)眼(yan)(yan)、木(mu)瓜(gua)4類水果(guo)(guo)，在全省(sheng)(sheng)展開水果(guo)(guo)保險(xian)。根據方案，4種水果(guo)(guo)的(de)保險(xian)金額為(wei)：香蕉、木(mu)瓜(gua)1200元/畝，荔枝(zhi)(zhi)、龍(long)眼(yan)(yan)900元/畝。其中，我市(shi)(shi)果(guo)(guo)農每(mei)畝香蕉、木(mu)瓜(gua)需(xu)自繳24元保費，每(mei)畝荔枝(zhi)(zhi)、龍(long)眼(yan)(yan)需(xu)自繳18元保費，其余保費則由省(sheng)(sheng)級財(cai)(cai)政(zheng)和市(shi)(shi)縣財(cai)(cai)政(zheng)負(fu)擔。更(geng)多最新數(shu)據分析、市(shi)(shi)場分析報告、市(shi)(shi)場調研、行業分析，請訪問。