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阳光农业相互保险公司是由黑龙江垦区20万农户发起,经国务院同意、中国保监会批准的我国首家相互制保险公司。公司从成立之处,就本着为“三农”服务,为农村提供保险保障的宗旨。创建了“防保结合”的保险模式,即灾前预防和灾后理赔结合起来,为农民提高保险保障。垦区属自然灾害多发区,旱、涝、洪水、风、雹、霜冻、病虫等灾害频繁发生,平均每年受灾面积1600万亩,成灾面积1300万亩,占全部作物播种面积的43%。平均每年减产粮豆约30亿斤,直接经济损失约18亿元。种植业靠天吃饭、露天粮食生产,决定了农业生产的弱质性和高风险性。农业还没有根本摆脱“三年丰收,抵不上一年受灾”,“十年奔小康、一年全泡汤”的局面。
Sunshine agricultural mutual insurance company is initiated by 200,000 farmers in Heilongjiang reclamation area, approved by the State Council, China Insurance Regulatory Commission approved the first mutual insurance company. From the establishment of the company, in line with the “three rural” service, to provide rural insurance coverage purposes. Created a “combination of prevention and protection” insurance model, that is, pre-disaster prevention and post-disaster claims combined to improve insurance protection for farmers. Reclamation areas are prone to natural disasters. Droughts, floods, floods, winds, hail, frost and pests and other disasters occur frequently. The average affected area is 16 million mu and the affected area is 13 million mu, accounting for 43% of the sown area of all crops. The average annual output of about 3 billion kg of grain beans, the direct economic loss of about 1.8 billion. Farming rely on the weather to eat, open-air food production, determines the weak and high-risk of agricultural production. Agriculture has not yet basically got rid of the situation of “three years of harvest, which can not be hit by a year,” and “a fairly prosperous year in a decade and a full year of soup”.