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20%。\n\n二、聚焦农业保险发展重点\n\n**（一）健全多层次农业保险体系。**坚持中央与地方共同推动、各部门分工负责，构建复合、多元、多层次的农业保险体系。加强对关系国计民生和粮食安全的大宗农产品以及地方特色农业的保障，稳步推进物化成本保险、完全成本保险、收入保险等险种发展，加强对小农户和农民合作社、家庭农场等新型农业经营主体的保障，强化对防止返贫致贫对象的支持。建立健全投保人、直保端、再保端等多方参与的风险分散链条，发挥好大灾风险准备金作用。\n\n**（二）增强种植业农产品风险保障。**加强主粮、棉花、油料、糖料、橡胶等大宗农产品风险保障，提高区域间农业保险发展均衡性，完善省以下保费分担机制。逐步降低产粮大县农业保险县级保费补贴承担比例，推动扩大稻谷、小麦、玉米、大豆完全成本保险和种植收入保险投保面积。完善对马铃薯、油菜、花生、甜菜、青稞等农产品以及稻谷、小麦、玉米制种的保险支持保障。\n\n**（三）促进养殖业保险规范发展。**完善养殖企业和养殖场（户）养殖保险模式，采用电子耳标、生物识别等技术加强养殖数量监控。动态调整能繁母猪、育肥猪、奶牛等养殖业保险保障水平，鼓励根据不同养殖方式提供差异化风险保障方案。做好牦牛、藏系羊等涉藏特定品种保险支持保障。\n\n**（四）推动林草保险提质增效。**坚持预防与保障并重，与现代林草业发展相适应，推动构建林草综合保险体系。完善公益林保险和商品林保险政策，探索适合相关林业保险险种特点的承保理赔模式。保险机构要合理确定森林保险防灾减损费用计提比例，据实列支。鼓励保险机构开展草原、湿地、国家公园、碳汇等保险试点，丰富林草保险产品。\n\n**（五）支持地方特色发展。**鼓励各地结合实际制定特色农业保险发展政策，加强相关资金统筹，加大支持力度，扩大保险范围，积极发展蔬菜、水果、肉牛、肉羊、禽类、渔业、林下经济等特色农业保险。\n\n**（六）完善产品供给体系。**健全“政策险+商业险”、“基本险+补充险”的农业保险产品供给体系。鼓励各地结合实际在物化成本保险等提供基本保险保障的险种基础上，设计开发相关补充保险，形成更高保障。鼓励各地因地制宜发展农业气象指数保险。支持保险机构发展商业性农业保险，开发便利农户投保的综合型保险保障方案。\n\n**（七）推广“农业保险+”模式。**深化农业保险与信贷、担保、期货等金融工具协同，探索保单质押、联合分担风险等模式。发挥农业保险增信功能，提高投保农户信用等级，促进涉农数据、科技、资产等要素资源融合，引导加大金融资源投入。\n\n**（八）逐步拓宽服务领域。**鼓励保险机构根据农业发展需要以市场化方式提供覆盖农林牧渔、涉农产业上下游、农民人身安全等方面风险的保险产品，探索开展农产品加工、仓储、运输、质量保险及高标准农田工程质量保险，为农业对外合作提供保险服务。鼓励地方和保险机构提供大棚、农房、农机、仓库等农业生产设施设备保险，以及农业绿色发展、智慧农业、民族村寨等领域保险。\n\n三、优化农业保险运行机制\n\n**（九）优化完善承保管理。**财政、发展改革、农业农村、保险监管、林业草原等部门及保险机构加强信息互通，共享农（林）地确权、流转、目标价格补贴面积以及农产品成本调查、畜禽存出栏量、病死猪无害化处理等农业生产经营数据。逐步推行“一户一单”承保模式。保险监管部门指导保险机构制定农业保险精准承保规范，提升可操作性。保险机构应加强农业保险承保精准性管理，开展验标和承保信息审核，集体投保类业务逐步提高抽查验标比例，规模经营主体投保类业务实现全部验标。\n\n**（十）加强财政补贴管理。**强化保费补贴资金管理，加强补贴资金所涉投保信息与农业生产经营数据、历史投保数据的比对核验，提高财政资金使用效益。及时向保险机构拨付保费补贴资金，优化资金拨付方式。鼓励各地实行省级财政部门与保险机构省级分公司“省级对省级”结算等模式。\n\n**（十一）完善查勘定损制度。**农业农村、保险监管、林业草原等部门结合当地种植、养殖、林业生产实际，指导保险机构制定分类或分险种查勘定损操作规范，明确查勘、抽样、定损等工作流程和标准。农业农村、林业草原等部门配合做好灾后查勘和灾损核定工作。\n\n**（十二）提升理赔服务质效。**保险监管部门指导保险机构制定完善农业保险理赔实施规范，提升理赔效率和精准度。保险机构应完善基层服务网络，简化手续、优化流程、赔款到户，建立农业大灾快速理赔响应机制，针对重大自然灾害和事故合理预付部分赔偿金，支持农户恢复生产。保险机构应通过银行转账等非现金方式将保险赔款直接支付给被保险人。\n\n**（十三）鼓励开展风险减量管理。**健全风险减量管理机制，增强事前防灾减灾、事中救灾减损、事后及时赔付相结合的一体化服务能力，推动农业保险从单一事后理赔向全流程风险管理转型。保险机构可与农业农村、林业草原、气象等领域社会化服务机构合作，开展防灾减损工作。\n\n**（十四）健全监督管理机制。**健全农业保险领域常态化监督机制，财政、农业农村、保险监管、林业草原等部门加强联动，加大监督力度。对虚构虚增保险标的、虚假理赔、骗取套取保费补贴等违法违规行为，加大打击和惩戒力度，依法依规予以处理。\n\n四、夯实农业保险发展基础\n\n**（十五）强化信息化支撑。**持续推进全国农业保险数据信息系统、全国农业保险信息管理平台建设。统一农业保险数据标准，加强部门间、中央与地方间农业保险数据信息共享。加快推动农业保险行业数字化转型，促进业务流程智能化、标准化。\n\n**（十六）推进风险区划工作。**推进三大粮食作物、主要畜产品等重要农产品保险风险区划工作，适时发布风险区划结果和保险费率参考。探索开展地方特色农业保险风险区划工作。\n\n**（十七）加强科技应用。**保险机构应加大科技投入强度，合理应用无人机、遥感、物联网、人工智能、区块链、云计算等技术工具，提高保险服务精准度。鼓励保险机构探索开发农业灾害风险模型。制定农业保险科技应用规范或标准。保险机构应开展承保理赔信息实名校验和身份认证。\n\n**（十八）加强遴选管理。**按照适度竞争原则，结合服务能力、风控能力合理确定农业保险承保机构。各省份根据保费规模等因素统筹确定承保机构数量，承保机构一经确定应保持相对稳定，服务有效期一般不少于 3 年。开展承保机构绩效评价，强化绩效评价结果应用，做好承保机构动态调整工作。审慎评估农业保险市场环境和保险机构服务能力，加强经营资格管理，优化准入退出机制。\n\n**（十九）健全政策法规。**适应农业保险发展态势和高质量发展需要，推动适时修订《农业保险条例》，进一步加强农业保险法治建设。\n\n五、健全农业保险大灾风险分散机制\n\n**（二十）完善大灾风险准备金管理。**科学设置农业保险各险种大灾风险准备金计提比例，完善大灾风险准备金触发使用标准。保险机构按照独立运作、因地制宜、分级管理、统筹使用的原则，加强大灾风险准备金使用规范性管理，进一步发挥大灾风险准备金作用。\n\n**（二十一）大力发展农业再保险。**按照约定分保和市场化分保相结合的发展模式，健全农业再保险制度。完善约定分保机制和流程，优化大灾超赔保障。鼓励发展商业性再保险，逐步提高市场化业务比重。推动完善农业再保险机构治理机制，提高运行规范性和发展可持续性。\n\n**（二十二）健全风险分散机制。**研究建立农业保险大灾风险基金，完善农业保险大灾风险分散链条。加强农业保险赔付资金与政府救灾资金协同运用。\n\n六、做好组织实施工作\n\n各地区、各有关部门要高度重视农业保险工作，夯实工作基础，形成工作合力，更好满足“三农”主体风险保障需求。各省级人民政府加强组织领导，统筹推进本行政区域内农业保险规划发展、资源统筹、政策宣传等各项工作，发挥农业保险工作小组作用，组织有关部门和保险机构加强协同配合，确保各项任务落实见效。各有关部门按职责分工做好政策设计、资金安排、监督管理等工作。保险机构切实提高服务质效，可根据业务需要设立协保员，为承保理赔等服务提供便利。","农业农村部计划财务司 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