Recent
The CPIC was launched
The "five big articles" media go to the grassroots
Series of events
Nearly 40 mainstream media
Go first
Zhejiang, Shanghai, Gansu, Shanxi and other places
Conduct front-line research and interviews
Exploring the "Five Big Articles" of Science and Technology Finance, Green Finance, Inclusive Finance, Pension Finance, and Digital Finance
The story behind the CPIC service
Let's take a look in this issue
How the CPIC uses an apple
The road to rural revitalization has been paved
one
Reporters from two mainstream media, China Banking and Insurance News and China.com, went to Jingning County, Pingliang City, Gansu Province, interviewed local apple growers on the spot, went deep into the rural villages and villages with counterpart assistance, and learned more about CPIC Property & Casualty's active use of its own professional and resource advantages, and illuminating the road of rural revitalization with the light of inclusiveness through characteristic guarantees, industrial assistance, and paired assistance.
1
Guarding the Jingning fruit farmers
"Money Bag"
China Banking and Insurance News
Jingning County is located in the central part of Gansu Province, west of Liupan Mountain and east of Huajialing, which is an important town on the middle line of the eastern section of the ancient Silk Road, and is also a large agricultural county, with apples, beef and other special agricultural products. Among them, apple is the pillar industry of the county's rural revitalization and poverty prevention. According to the data, in 2023, CPIC Property & Casualty Gansu Branch will underwrite 30,591 mu of policy-based apple planting insurance in Jingning County, benefiting 3,565 farmers and providing risk protection of 122 million yuan.
In recent years, CPIC Property & Casualty has designed and carried out a comprehensive package of risk protection based on the risk needs of the apple industry, such as dwarf seedling insurance, apple planting insurance, apple facility agricultural insurance, apple price/income insurance, etc., and has provided a full range of insurance services from apple trees, fruits, facilities, prices, income, etc.
2
Reporter's Notes:
It is necessary to pay attention to the service experience of agricultural insurance
China Banking and Insurance News
For a long time, the insurance industry has been widely involved in the whole process of risk reduction services of "prevention, reduction, rescue and compensation" of major natural disasters, and has deeply cultivated market segments, continuously innovated and expanded the content of risk reduction services, and broadened the scope of services. In the interview, when it comes to agricultural insurance services, farmers are also unanimously praised. "Satisfied! We are really satisfied with the service of the insurance company, because in the event of a disaster, a phone call can be made and the surveyor can come to the door. This made our experience very good. Xiao Zhou of Gansu Demei Geopolitical Modern Agriculture Group Co., Ltd. in Hongsi Town, Jingning County, said with a smile.
CPIC P&C has deepened its service areas, broadened the coverage of risk reduction services, strengthened the application of science and technology, carried out regular monitoring services for staple crops in planting insurance in 246 sub-companies, and carried out regular monitoring pilots and early warning of pests and diseases during key crop growth periods. Build a model of quick compensation and fine compensation for breeding insurance, realize full coverage of 39 branches across the country, and fully apply it to the central branch.
3
Introduce insurance living water
Moisten the loess earth
China.com Finance
"We must strive to be a warm-hearted person for the masses in difficulty." Wang Haixu, the first secretary of CPIC P&C Gansu Branch, said that after the end of poverty alleviation, one of the key tasks to consolidate and expand the achievements of poverty alleviation is to do a good job in monitoring the prevention of poverty return and maintain the bottom line of not returning to poverty on a large scale. In order to provide a comprehensive guarantee for people who are prone to poverty, near poverty, and returning to poverty, CPIC Property & Casualty has fully implemented and expanded the "Poverty Prevention Insurance" insurance product in Jingning County. According to reports, as of May 2024, CPIC Property & Casualty has carried out poverty prevention and insurance business for a total of 1,553 households/6,589 people in Jingning County who have registered and registered and marginal households that are vulnerable to poverty, and paid a total of 540,800 yuan in relief funds to 169 marginal households that are vulnerable to poverty, households that are unstable in poverty alleviation and households with sudden serious difficulties.
two
Reporters from two mainstream media, 21st Century Business Herald and Blue Whale Insurance, went to Maeryu Village, Baliwan Town, Gangu County, Tianshui, to interview China CPIC Life Insurance and actively explore the new achievements made in the long-term mechanism of helping the normal with CPIC characteristics.
1
Tianshui village Maeryu with
12 years of acquaintance with the Chinese Taibao
21st Century Business Herald
Ma Guangtai, a villager from the second group of Maeryu Village, said that before the arrival of the Chinese Taibao, it was difficult to find a market for apples in the village at low prices because there was no market. To make matters worse, Ma Guangtai was in a car crash a few years ago while passing over a cliff on his way home, fell from a 20-meter-high cliff, and after recovering a life, how to sell the family's apples became a big problem. Ma Guangtai said that fortunately, with the help of CPIC in recent years, through the sales channels found by CPIC, apples can not only be sold normally, but also sold at a price of 6-8 cents per catty higher than the original, and he feels very satisfied.
In order to help the local apples sell better, CPIC Life Insurance Gansu Branch also innovatively launched the "Pacific Insurance" cultural and creative fruit, and the word "Pacific Insurance" was printed on the apples, integrating humanities, marketing, assistance and other elements into the apples and packaging, giving apples a new connotation. In addition, CPIC also takes advantage of the location and information advantages of the province to help communication and coordination, and reduce the logistics cost in the process of selling agricultural products in the help areas.
2
Financial Inclusion
Rural assistance path for the insurance industry
Blue Whale Insurance
"Three rural" is the key service area of inclusive finance, and one of the important contents of the insurance industry to do a good job in inclusive finance is to support the development of "three rural" and help rural revitalization.
In addition to providing insurance and improving the efficiency of claim settlement, insurance institutions can also rely on their own medical and health resources to serve villagers. For example, in Maeryu Village, CPIC Life Insurance Gansu Branch promoted the "CPIC Blueprint" of health services to villagers, and guided villagers to connect with hospital experts on the spot. At present, the "CPIC Blueprint" covers 400 cities and more than 2,800 tertiary hospitals across the country, providing online video consultation and consultation services from experts, which can alleviate the pain points of Maeryu Village's remote location and lack of medical resources to a certain extent.
In addition to donation and construction, how to rely on their own advantages to help local villagers develop industries and achieve sustainable income increase is also an important exploration direction for insurance institutions in helping them. In Maeryu Village, CPIC has explored a whole path of rural assistance from infrastructure construction, industry + consumption assistance, donation and education to promote rural construction and development, to give full play to the main business of insurance, to cover risks with insurance, and to prevent risks with health services.