How to "marriage" agricultural insurance and meteorological services...

In order to adapt to the needs of all walks of life

Meteorological services and insurance services are compatible

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China Mobile obtained the first 3G license in disguise. The ban was lifted. Executives of 75 major non-commitment lock-up listed companies collectively increased their holdings. Frequent institutions frantically swept up stocks on the first day of CSRC's listing. China Merchants Bank's net profit increased in the first half of the year. 116% of the two new funds were approved to have a net outflow of 11.5 billion. As my country joins the WTO, both the meteorological service and insurance markets are facing development opportunities and challenges. The insurance market will be flooded with a large number of powerful competitors. Foreign insurance companies with hundreds of years of operating history and experience will surely seize the world's largest unexplored insurance market. Foreign insurance companies have strong financial strength and advanced operating technologies. , market-oriented operation methods are flexible and will certainly pose severe challenges to China’s insurance industry.

With the development of global industrialization, climate change has gradually intensified, and the resulting meteorological disasters have also increased year by year. China's agricultural production is still basically dependent on the weather, and losses from meteorological disasters such as floods, droughts, hail, low temperatures, and tornadoes are becoming more and more serious. On the other hand, agricultural meteorological disaster insurance is not yet complete. Therefore, the development of agricultural meteorological disaster insurance is a top priority. It is also an important entry point for the "marriage" of the insurance industry and meteorological services to achieve complementary progress and seek development. .

Climate is a synthesis of weather characteristics over a long period of time, but this synthesis does not simply refer to average values. The probability and extreme values ??of certain weather conditions in a certain place also belong to the climate category. . In fact, when the climate of a certain place is in a stable state for a long time, humans and ecosystems adapt to it. But when the climate changes, extreme weather and climate events occur frequently, which can lead to major natural disasters. .

Many studies have shown that the earth's climate is in a constant process of change, and this change has different time scale characteristics, such as interannual, interdecadal and longer-term change characteristics. The main influencing factors of climate change are natural and human activities. Since the industrial revolution, humans have burned coal, oil and natural gas, emitting large amounts of greenhouse gases into the earth's atmosphere, which has had a huge impact on the climate. As the world's population grows, the exploitation and utilization of natural resources intensifies, and the economies and infrastructures of various countries continue to develop, humanity's vulnerability to extreme climate events is also growing. In our country, the annual losses caused by meteorological disasters such as floods, droughts, tropical cyclones, freezing damage, blizzards, sandstorms, hail, and tornadoes account for about 70% of the total natural disaster losses, and the direct economic losses caused account for 3% of the gross national product. -6%. The losses from ecological and environmental disasters such as soil erosion, debris flows, landslides, collapses, land subsidence, forest and grassland fires, agricultural, forestry and grassland pests and diseases, and desertification related to meteorological conditions are even more difficult to estimate.

Establish agricultural meteorological insurance to better serve "agriculture, rural areas and farmers"

my country is a large agricultural country with a large population and a large demand for food. Agriculture is an important foundation for the national economy. Our country's agricultural production infrastructure is weak, its disaster resistance is poor, and it is highly dependent on the meteorological environment. It has not yet completely gotten rid of the backward situation of relying on the weather for food. my country is located in a monsoon climate zone. The winter and summer monsoons advance and retreat at different times, intensities, and scopes of influence each year, resulting in large interannual changes in temperature, precipitation and other meteorological environmental conditions in various places. Meteorological disasters such as drought, floods, low-temperature chilling damage, frost, hail, and high temperature It happens more frequently and has a very negative impact on the national economy, especially agricultural production. At present, rapid population growth, environmental deterioration, and resource shortages have become global problems. Our country is facing an even more severe situation, and population growth is still irreversible in the near future. It is estimated that by 2030, my country's population will reach 1.6 billion, and by 2030, the per capita arable land will decrease by 1/4. my country's per capita water resources are only 1/4 of the world's per capita, and are still declining, and the ecological environment is deteriorating day by day. Land desertification has intensified, with desertified land accounting for 27% of the country's land area. According to statistics, meteorological disasters and their derivative disasters account for more than 60% of the losses caused by natural disasters in the country every year. In recent years, the adverse effects of climate anomalies and meteorological disasters on agriculture have been intensifying. Due to the frequent occurrence of meteorological disasters and the low ability and technology to withstand meteorological disasters, my country's agricultural production has always been in an unstable state, with large inter-annual changes.

Property insurance refers to insurance with various material properties as the subject of insurance. Its insurance liability generally covers economic losses caused by natural disasters and accidents. In the 1990s, global economic losses caused by natural disasters exceeded US$700 billion. In our country, the direct economic losses caused by natural disasters were about 30 billion to 40 billion yuan in the 1950s and 1960s, about 40 billion to 50 billion yuan in the 1970s and 1980s, and increased to more than 60 billion yuan in the late 1980s. Since the 1990s, direct property losses caused by natural disasters in my country have averaged more than 158 billion yuan per year, and in the past three years, they have reached as high as 260 billion yuan.

Meteorological information is the collection, organization, analysis, forecasting and synthesis of atmospheric changes. It is a kind of high-tech information. The main contents included include: historical meteorological data over the past century, real-time monitoring systems for various weather conditions, future weather trend forecasts, disastrous weather assessment and analysis and early warning systems (such as typhoons, heavy rains, frosts), etc. The natural disasters referred to in property insurance specifically refer to: lightning strikes, heavy rains, floods, typhoons, tornadoes, snow disasters, ice, hail, mudslides, cliff avalanches, sudden landslides, sudden ground collapse, etc., of which more than 80% are Meteorological disasters.