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"Insurance + Futures" "quiet mode" has blossomed

来源: 证券日报 2019-12-31 13: 51: 23Source: Securities Daily

Jingning County belongs to Pingliang City, Gansu Province. It is located in central Gansu, west of Liupan Mountain, east of Huajialing, east and north bordering Ningxia Longde and Xiji counties, west and south bordering Tongwei and Qin'an counties, and northwest and Huining counties It is adjacent to the southeast and Zhuanglang County. It is a major town on the middle line of the eastern section of the ancient Silk Road. The Pingding Expressway, National Highway 312, Jingzhuang, and Jingqin Highway pass through and are known as "Longkou imperatives."

The current "Longkou Important" Jingning County belongs to the key counties for poverty alleviation and development in the country. It has caught up with the good times and ushered in a good time. The fathers and mothers of Jingning County, especially the fruit farmers, have ushered in an unprecedented event. Good day. The good times and good times first come from Galaxy Securities and Galaxy Futures, which are the burdens of the era of precision poverty alleviation in the county.

"Xin Tian" Tian Xuanbin

Happy running out

In the golden autumn orchard in Demei Geo-Orchard, Jingning County, Gansu, an apple tree was covered with large and red apples, and the breeze nodded frequently, it seemed to tell the visiting guests the joy of the local fruit farmers. Tian Xuanbin, a local farmer's leader, was even more sweet when he saw the reporter, and he was very happy. His smile was a sincere, happy smile from the bottom of his heart.

At this time, on the 11th floor of the Beijing East Second Ring Life Building, thousands of miles away, in order to implement the spirit of the instructions of the parent company's Galaxy Securities Party Committee Chairman and Chairman Chen Gongyan on futures companies to innovate financial poverty alleviation and professional poverty reduction methods, the Galaxy Futures Party Committee Secretary, General manager Yang Qing and members of his working group on poverty alleviation are busy. As the comprehensive well-off comes to the countdown, he wants to ensure that the company's underwriting, which is also the largest single Apple "insurance + futures" project ever undertaken by Zheng Shang, can be successfully implemented, allowing more than 30,000 fruit farmers in Jingning County to pass smoothly. Take off your hat.

At present, the quiet days of fruit farmers in Jingning County are due to Galaxy Securities, Galaxy Futures, the strong support of China Investment Corporation and the Zhengzhou Commodity Exchange, and the attention and vigorous efforts of Jingning County Party Committee and County Government on the “Struggle to Fight Poverty Alleviation”. stand by.

As early as November 2017, China Galaxy Securities Co., Ltd., a shareholder of Galaxy Futures, signed a number of assistance work agreements with the Jingning County Government. How to use financial instruments for risk management is an important one, and this burden is also important. Fall heavily on Galaxy Futures.

On the basis of full investigation and inspection, Zhengshang Research Institute supported the launch of Apple's "insurance + futures" pilot work in Jingning, and vigorously explored a new model of poverty alleviation. It provides a strong guarantee for Jingning County to win the battle against poverty and realize the revitalization of the countryside, and has truly increased the insurance price of fruit farmers. At the same time, a “quiet and quiet mode” has been established in the industry, and a new path has been explored for the majority of financial institutions to provide professional poverty alleviation and innovation.

Jingning Fruit Farmer:

Years still good in this life without regrets

Walking on winding mountain roads in Jing'an County, for foreigners who are new here, the body is really overwhelmed, but for members of the Galaxy Securities and Galaxy Futures counterpart poverty alleviation team, it has been impossible to count how many times they have come here Already. The fruit is scattered, and apples are the main support for farmers in Jingning County. The income from fruit cultivation accounts for more than 70% of the per capita income of rural residents in the county. However, due to the large fluctuations in apple prices in recent years, farmers' income is often lower than The poverty line is 3750 yuan.

"This year's party members of the company's party committee have conducted in-depth investigations and guided the work in Jingning County eight times, and strive to make practical moves in precise policy, work hard in accurate advancement, and see effective results in accurate landing." Chen Gongyan, Secretary of the Party Committee and Chairman of Galaxy Securities Speaking to reporters, at the same time, CIC Party Secretary Peng Chun and other members of the party committee team also went to Jingning to conduct field investigations and investigations on many occasions, devoted themselves to strategies, concentrated investment in wisdom, and promoted the solid and effective implementation of poverty alleviation.

Although Jingning County is a national key county for poverty alleviation and development, the natural environment is poor, the causes of poverty are complex, and poverty alleviation is difficult. Chen Gongyan, Galaxy Securities and Galaxy Futures firmly carried the burden of precision poverty alleviation in Jingning County.

Before 2018, this burden really made Yang Qing, general manager of Galaxy Futures, a little bit difficult: "Poverty alleviation in Jingning County is no more difficult than in other poor areas. Here is the famous 'three shortfalls and three shortfalls'. Three shortnesses refer to lack of water. , Lack of land, and lack of roads; the three differences refer to poor fiscal capacity, poor village collective economic foundations, and poor development of the industrialization system. It is a county with deep poverty in the country and the task of poverty alleviation is very difficult. "

However, Yang Qing went up to the challenge and issued a "military order." He vowed to do a good job of alleviating poverty even if he gritted his teeth. "From a global perspective, there are mainly three ways to solve the problem: one is to rely on government subsidies; the other is to rely on agricultural insurance; the third is to directly enter the derivatives market by agricultural entities and use futures and options to hedge price risk. Only Give play to your own professionalism, graft futures as a risk management tool into the production and operation of fruit farmers, and use the "insurance + futures" model to combine the channel advantages of insurance companies with the technical advantages of futures companies in order to open up futures market services. Nong's 'last mile.'

But it ’s easy to say and difficult to do. How to do “insurance + futures” business in Jingning County?

Just at this time, Zhengshang Office listed the world's first fresh fruit futures variety at the end of 2017-Apple Futures. At the same time, the Zhengzhou Institute of Commerce actively implemented the spirit of the No. 1 document of the Central Committee, implemented the deployment of the China Securities Regulatory Commission, and included Apple in the pilot scope of the "insurance + futures" project in 2018. Later, Galaxy Futures set up a special research team and went to Jingning County for several in-depth investigations.

Based on a combination of practice and theory, Galaxy Futures believes that the price of apples in Jingning County can be escorted through "insurance + futures". In October and November 2018, Galaxy Futures Apple's "Insurance + Futures" project was formally issued in two batches, guaranteeing a total of 3,000 tons of apples and an insurance period of 3 months. Among them, 1,500 tons assist 300 households who set up a poverty-stricken households, and 1,500 tons are used for leading cooperatives (serving 190 fruit farmers, of which 41 are poor households); the total premium is 1.6 million yuan. Zhengzhou Commercial Office, local government, and Galaxy Futures jointly Capital contribution, farmers can participate in insurance without paying fees.

Coincident with the reduction of apple production across the country in 2018, the spot price of apples fluctuated sharply, and the futures market also fluctuated accordingly. The final total compensation of the project was 894,400 yuan, of which the poor households received compensation of 1321 yuan, which to some extent offset the impact of reduced production, which enabled poor fruit farmers to reduce production without reducing income, and helped poor fruit farmers to successfully escape poverty.

This year, the farmers in Jingning County laughed, the leaders of Galaxy Securities and Zhengshang Office smiled, and the colleagues of the Galaxy Futures Poverty Alleviation Working Group who had been worried for more than a year also laughed.

The "quiet mode" of "insurance + futures"

Flowering

Since the 18th National Congress of the Communist Party of China, the CPC Central Committee has incorporated poverty alleviation and development work into the overall layout of the "Five in One" and the "Four Comprehensive" strategic layout. We will start a comprehensive fight against poverty. In this context, Galaxy Securities, as a "national team" under the leadership of CIC, strengthened its mission and practiced the national strategy, and inevitably committed itself to this fierce battle against poverty.

In this regard, Chen Gongyan said, "Since 2016, the company's party committee has always done a good job in poverty alleviation as a major political task in fulfilling its political and social responsibilities, and resolutely implemented the decision-making and deployment of the party Central Committee and CIC's party committees. As an example, Jingning County, Gansu Province has successively invested 104.68 million yuan in relief funds through relief-type poverty alleviation and hematopoietic-type poverty reduction. In 2019 alone, the company's party committee has held 10 party committees to study and deploy assistance work. "

2019 is the year of poverty alleviation in Jingning County. Therefore, Chen Gongyan and the Galaxy Futures Party Committee attached great importance to the poverty alleviation work in Jingning County. The Party Committee was specifically convened and the "insurance + futures" work led by Assistant General Manager Hao Gang was established. The team went all out.

This year, Galaxy Futures combined with Galaxy Securities and PICC Property and Casualty Insurance, relying on the support and cooperation of the Jingning County Party Committee and County Government, strengthened the pilot work of the "insurance + futures" project. The project closely revolves around the pilot work requirements of Zhengshang Research Institute for “striving for more external funds, increasing the level of protection, reducing costs, and enhancing normativity”, and carried out targeted product design and various arrangements to make the most possible. Economic and social benefits: First, the county ’s full coverage of poverty alleviation will help the 8,713 households in Jingning County to set up a poverty-stricken fruit farmer to achieve a smooth poverty alleviation; second, they will seek external funding support from multiple parties. At present, the premium of 23 million yuan for the project is Zhengzhou Commodity Trading. 10 million yuan was invested, 9 million yuan was provided for poverty alleviation at all levels, 3 million yuan was financed by Jingning County, and 1 million yuan was paid by farmers; thirdly, the cost of insurance products was low and the protection was high, and the related costs were significantly reduced, so as to truly benefit People, supporting agriculture and benefiting farmers; fourth, introducing agricultural burden + low-cost financing, upgrading and iterating the "insurance + futures + banking" model, and innovatively proposing a "four orders" guarantee plan.

During the investigation in 2019, Chen Gongyan and Jingning County Party Secretary Wang Xiaojun repeatedly and intensively studied the promotion of Apple's "insurance + futures" in Jingning County, and gave Jingning County's 2019 "insurance + futures" project plan. Fully affirmed, and said that Galaxy Securities will provide strong support for the project in terms of funds and policies. Chen Huaping, Chairman of the Zhengshang Institute, also conducted in-depth communication with Wang Xiaojun on issues such as strengthening the management of the Jingning Apple Futures Delivery Warehouse, conducting Apple Futures publicity training and public opinion guidance.

After two years of continuous efforts, Galaxy Futures has used "insurance + futures" financial innovation as a poverty alleviation tool, combined with the local "five good" characteristics of poverty alleviation work, and created a good social demonstration effect. Lin Duo, the secretary of the Gansu Provincial Party Committee, and Tang Renjian, the governor of Gansu Province, went to Jingning to investigate and investigate poverty alleviation work, positively evaluated the implementation of Apple's "Insurance + Futures" project, and gave a high evaluation of the project's contribution to poverty alleviation. They said that the frequent fluctuations in apple prices caused the situation of "fruits hurting farmers", using the local delivery warehouse as a platform, with the support of Galaxy Futures, through the "insurance + futures" model, using financial means, capital markets, and more A large number of fruit farmers and poor households have transferred risks and have a strong demonstration effect of financial services to the three farmers.

"Releasing hats without blame"

Further consolidating poverty alleviation results

In recent years, China's three major commodity futures exchanges have continuously invested a lot of funds to support the development of "insurance + futures" pilots. Since the establishment of the first “insurance + futures” pilot project of Dashang in Jinzhou, Liaoning in 2015, Dashang has carried out more than 200 projects. The pilot area and variety have continued to expand, and the amount of compensation reached 170 million yuan in 2018. Since the launch of the “Insurance + Futures” project in 2016, Zhengshang Research Institute has actively promoted the pilot work based on the principles of “expanding the coverage, helping to help the poor, enriching the connotation of the pilot, and approaching the needs of farmers”, and has carried out more than 60 projects, covering Many poor counties in Gansu, Shaanxi, Yunnan, Xinjiang and other places have generated more than 44 million yuan in compensation in 2018. In the previous issue, 23 projects were launched in 2017 with a compensation of 18.23 million yuan, and 32 projects were launched in 2018 with a compensation of 39.5 million yuan. Since 2019, the three exchanges have continued to actively carry out "insurance + futures" projects, and have exhibited new features covered by points, areas, and counties.

Chen Gongyan told reporters that the next step of CIC and Galaxy Securities is to further consolidate the results of poverty alleviation in accordance with the requirements of "taking off the hat and not taking responsibility". Galaxy Securities' support for Jingning, especially the "insurance + futures" project, will continue. At the same time, the joint project team also plans to use three years to gradually establish and establish a farmer's and new agricultural business entities 'risk management awareness of agricultural product prices, and explore a market-based operation mode combining central award funds, provincial and municipal support, and farmers' self-payment. , Gradually reduce the overreliance of relevant entities on exchange subsidies and poverty alleviation funds, support more financial resources for new agricultural business entities, promote low-income groups such as poor households to establish close ties with cooperatives, transform them into professional farmers, and promote Jingning Apple The industry upgraded from traditional agriculture to modern agriculture, and finally transitioned from precision poverty alleviation to financial rich people.

"Insurance + Futures" makes full use of the advantages of risk management in the futures industry, guarantees farmers' income, and accurately matches the diversified financing needs of poverty alleviation and prosperity. Using this financial method to precisely help the poor and change the "blood transfusion function" to "hematopoiesis function" is not only beneficial to the physical industry, but also has a good positive feedback effect on the futures market. Taking the futures price insurance as a link, it actually helps the futures market to connect with the real economy such as “agriculture, rural areas and farmers”, small and micro enterprises, which is conducive to improving the understanding of futures in all sectors of society, and will also promote the product innovation and structural optimization of the futures market. Increase the activity of the futures market.

For futures companies, with the further expansion of the "insurance + futures" pilot, the imagination of the scale, depth and breadth of the relevant market is huge, and it will also bring new opportunities for futures companies to develop. It is helpful to promote the futures company's professional service capabilities, financial innovation, and product design capabilities, and promote the transformation and upgrading of futures companies.

The fish jumped into the sea at this time, and the other side of the sky bloomed. I wish the fishes of Jingning County jump freely on the boundless sea, and the apple blossoms will fill the sea and the horizon, and I would like to have a more happy life in Jingning County. (Reporter Ma Fangye Wang Ning)

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