[ China Agricultural Machinery Industry News ] The relevant person in charge of the Rural Insurance Division of the Guangdong Branch of the People's Property Insurance Company of China suggested that policy agricultural insurance should be gradually transformed from traditional agricultural insurance to agri-meteorological index insurance. "Agricultural meteorological index insurance only needs to pay according to various meteorological data provided by local meteorological agencies. It is not necessary to check the damages by house, which will greatly reduce the management cost and operational difficulty of policy agricultural insurance, and improve the efficiency of claims." He said.
Policy-based agricultural insurance is a major agricultural policy that provides subsidies for subsidies from the government to mitigate the risks of agricultural production. However, the reporter took stock of the administrative punishment decisions made by the local insurance regulatory bureaus in 2016 and found that individual insurance companies played a “catty stupidity†in the agricultural insurance business, which made the “prospering farmers†policy a phenomenon of “pot farming†in some areas.
Agricultural insurance chaos calls for innovation drive
Policy-based agricultural insurance is a major agricultural policy that provides subsidies for subsidies from the government to mitigate the risks of agricultural production. However, the reporter took stock of the administrative punishment decisions made by the local insurance regulatory bureaus in 2016 and found that individual insurance companies played a “catty stupidity†in the agricultural insurance business, which made the “prospering farmers†policy a phenomenon of “pot farming†in some areas.
Many farmers have strongly urged that the effect of the national benefit-of-peasant policy cannot be greatly reduced due to the illegal operation of individual insurance companies. Strictly check the “catty†of agricultural insurance and severely punish illegal insurance companies and related responsible persons in order to benefit the benefit-agricultural policy. The agricultural effect provides protection.
China PICC P&C Insurance Branch was fined
In 2016, many branches of China People's Property Insurance Co., Ltd. were repeatedly subjected to administrative penalties by the local insurance regulatory bureau for illegal activities in the agricultural insurance business, exposing all kinds of chaos in the current agricultural insurance field.
First, the farmers were not paid according to the actual losses. The typhoon "Seagull" landed in western Guangdong in September 2014, causing damage to some local rice and triggering insurance claims. In May 2016, the Guangdong Insurance Regulatory Bureau made an administrative punishment decision for the Maoming City Branch of the People's Insurance Co., Ltd. of China. The reason was that in this insurance claim, part of the company's rice insurance business was not strictly implemented according to the actual damaged area of ​​the farmers. Liability, there is an average payout behavior.
Zhu Weizhong, director of the Property Insurance Supervision Department of the Guangdong Insurance Regulatory Bureau, said: "In this case, the insurance company randomly checks 3-5 villages in each town, and each village checks 3-5 farmers, according to the area of ​​risk of the farmers. The extent of the loss, the extent of the risk of the farmers in the village and the extent of the loss, and the compensation according to this, did not check the village to the village, the damage to the household."
The relevant person in charge of the Rural Insurance Division of the Guangdong Branch of the People's Property Insurance Company of China said that the supervision department imposed penalties on the company mainly because the company did not strictly investigate the village and determine the damage to the household in this case, but only based on the part. The damage situation of the farmers determines the damaged area and loss rate of the whole village, and the loss rate is paid to all the farmers reporting the case.
The second is to prepare false claims information. In September 2016, Henan Insurance Regulatory Bureau made an administrative punishment decision for Zhumadian Branch of China People's Property Insurance Co., Ltd., and found that the People's Property Insurance Co., Ltd. Zhumadian Branch had illegal acts for compiling false claims information. The illegal facts are as follows: : In the 2015 Peanut Insurance Claims and 32 Wheat Insurance Claims of Zhengyang County Branch of Zhumadian Branch of Zhumadian Branch of China People's Property Insurance Co., Ltd., there are two cameras in the same time period for the same camera. problem.
The administrative penalty decision issued by the Jiangxi Insurance Regulatory Bureau in July 2016 showed that the Chinese People's Property Insurance Co., Ltd. Wanjia Branch and the People's Property Insurance Co., Ltd. Yuanzhou Branch Company made false claims in the agricultural insurance business process in 2014. In case of violations such as information, the Insurance Regulatory Bureau imposed administrative penalties on the relevant company and its responsible persons.
The third is to expand the payment of premiums. In May 2016, Hunan Insurance Regulatory Bureau made an administrative penalty decision for the People’s Property Insurance Co., Ltd. Wuyuan Branch. After investigation, the company’s 2014 rice and corn insurance business indemnity calculation number was CHSJ201443250300000205 and other six claims compensation totals. It is 6,6492.9 yuan, of which the loss of compensation for 18,832.64 yuan is used to return the premiums paid by the farmers who pay the village cadres.
Where did the repeated violations come from?
During the "Twelfth Five-Year Plan" period, China's insurance service agriculture modernization achieved remarkable results, providing a total of 6.5 trillion yuan of risk protection for 1.04 billion households and a payment of 91.4 billion yuan to 120 million households. In 2015, the main crops insured in China exceeded 1.45 billion mu, accounting for 59% of the country's planted area. The average coverage of the three staple food crops exceeded 70%, and the number of insured crop varieties reached 189.
Undoubtedly, agricultural insurance has made great achievements in instigating social funds to effectively solve agricultural management risks and support agricultural production. However, it should not be overlooked that some insurance companies have repeatedly violated regulations and caused “pot farming†in some areas.
The case of Maoming City Branch of China People's Property Insurance Co., Ltd. was punished by administrative punishment in May 2016, involving an area of ​​1.2217 million mu of rice and a settlement area of ​​21,300 mu. For this claim, an expert provided by Guangdong Branch of China People's Insurance Co., Ltd. on the assessment of the damage rate of the disaster showed that the yield loss rate per mu was 15%-23%.
The relevant person in charge of the Rural Insurance Division of the Guangdong Branch of the People's Property Insurance Company of China said that in this case, the actual compensation standard for each farmer is: 400 (yuan/mu) × 100% (calculation of compensation per mu in the growing season) Standard) × 20% (average loss rate per mu) = 80 (yuan).
This means that in this case, the amount of compensation that the actual per mu yield loss rate exceeds 20% is lower than the amount actually paid by the insurance company. By the same token, if the insurance company fabricates false materials and the degree of loss is inaccurate during the process of surveying and determining damage, it is easy for the insurance company to pay the amount that does not match the actual compensation amount.
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