"Since last year, the price of fresh milk has continued to be low for more than ten months, and it is difficult to maintain the capital. Now I have insured all 145 dairy cows on the farm with the target price of fresh milk, and I can finally start breeding with confidence. On July 30, the first single in Qingdao City, the target price insurance of fresh milk in Qingdao City, which was insured by Shenglin Dairy Farm in Laixi City, opened the first insurance cycle, which made Li Dayong, the director of the farm, feel relieved.
"Insurance" for fresh milk is an innovative achievement of Qingdao Municipal Bureau of Agriculture and Rural Affairs in deeply practicing the "four grassroots" system. Focusing on the "urgency, hardship and expectation" of farmers, the creation of policies to regulate the income of dairy farmers has created a "buffer zone" for individual dairy farmers in the cyclical impact, and also provided a boost for the high-quality development of Qingdao's dairy industry.
The market is shocking, and dairy farmers are struggling to operate
Agriculture has a distinct cyclical nature, on the one hand, crops and livestock and poultry have a growth cycle, so agriculture is "urgent"; On the other hand, the response of the agricultural market to prices is lagging behind, and it is easy to follow the trend in the course of agricultural restructuring, which leads to new overproduction.
When these problems arise, the first to bear the brunt is undoubtedly the farmers at the forefront of the industrial chain. This group is often "small farmers" and "retail investors", and their ability to resist risks is weak. Therefore, the relevant departments need to supplement the means of regulation to ensure that farmers are engaged in agriculture with confidence and sustainability, and then stabilize the supply system of the whole society.
In 2010, optimistic about the leading role of Nestle, a world-renowned food and beverage company, in the local breeding industry in Laixi, Li Dayong began to engage in dairy farming, from the beginning of 10 cows to the maximum scale of more than 200 cows.
However, since last year, affected by the market environment and consumer demand, the price of fresh milk has continued to be low, and dairy farming has been in trouble. In the face of the "cold snap" of the industry, Li Dayong was under the pressure of the purchase price and the cost, and he was also burdened with loans borrowed for the expansion of the scale. "Last year, I raised more than 200 cows, and you see that there are only 145 left, and I can't hold on if I don't sell them, but it's really distressing to sell them."
The Holstein Dairy Farm, also located in Laixi City, is a large-scale farm in Qingdao City, with more than 2,800 dairy cows raised in its six farms, with an average daily milk production of more than 50 tons. Wang Yijian, the director of the farm, said that the price of fresh milk fell to 4.3 yuan per kilogram at the beginning of last year, although the price of silage fell this year, and the cost of fresh milk breeding dropped to 3.85 yuan per kilogram, but he still has loan interest costs. However, the contract purchase price of fresh milk in large companies has fallen to 3.75 yuan per kilogram, and the market price of fresh milk for "small retail investors" has even fallen below 3 yuan per kilogram. According to the current milk production of the farm, the average monthly loss of Holstein dairy farm is 980,000 yuan, and the operating pressure is increasing.
Aiming at "urgency, hardship and longing", the policy of benefiting farmers is powerful
At the beginning of this year, the Qingdao Municipal Bureau of Agriculture and Rural Affairs launched the "Four Grassroots" action to go deep into the front line to strengthen services and promote revitalization.
When the research team walked into Laixi to investigate the dairy industry, the problem of dairy farmers was quickly captured by the research team: as a major dairy farming city in China, Laixi, with a dairy herd of 69,000 heads, is an "important town" in the fresh milk industry. Here, dairy cows are the "lifeblood" and "money bag" for the development of farms and dairy farmers. For the industrial chain, if farmers are unable to cope with continuous losses and choose to give up operations, the dairy industry chain will face an imbalance between supply and demand, which will undoubtedly affect the high-quality development of the city's dairy industry.
"Where the voice of the masses is, the bullseye of work will stand. Solving the 'urgency, difficulty, and hope' that the masses themselves cannot solve is the specific practice of the Municipal Agriculture and Rural Bureau to solve problems for the people. Yuan Ruixian, Secretary of the Party Group and Director of Qingdao Agriculture and Rural Bureau, said in an interview. With the problem, the Municipal Bureau of Agriculture and Rural Affairs formed three research groups led by the leaders of the bureau to go deep into the main producing areas of the dairy industry, and together with the districts, cities and towns, to the enterprise and the cowshed, to understand the production and operation of the farm.
"The purchase price continues to fall, is there any way to reduce our losses" "I participated in the milk insurance pilot last year, and I hope there will be this year, and the protection will be greater" "Our own breeding scale is small, and fresh milk cannot be supplied to large factories, and we cannot provide purchase certificates, so I hope to be insured"...... During the investigation, large farms and small retail investors expressed their current difficulties and expectations to the research team.
After finding out the situation of the city's dairy industry and recording the demands of farmers in detail, the urgent needs of dairy farmers formed a list of problems and included them in the important topics of the Party Group Meeting of the Municipal Agriculture and Rural Bureau. In the discussion and collision, a "solution idea" has become clearer - through the policy insurance to benefit farmers, to regulate the income of farmers, as far as possible to reduce the loss of individual breeding caused by market fluctuations.
To this end, the Municipal Bureau of Agriculture and Rural Affairs hastened to promote the implementation of the policy, and jointly with the Municipal Finance Bureau and the Municipal Local Financial Administration, invited representatives of some farms (households) and insurance companies to discuss for many times, so as to provide a detailed basis, detailed plan and detailed path for the introduction of fresh milk target price insurance. In the discussion and solicitation of opinions again and again, the difficulties and pain points that dairy farmers are concerned about have been solved one by one.
- What should I do if the premium is expensive and the dairy farmer can't afford to pay it? After argumentation by all parties, it was finally determined that the premium would be borne by the insured entity 20%, and the financial subsidy would be 80% (the upper limit of the subsidy was 20 million yuan). It is estimated that it can provide risk protection of 350 million yuan for 96,000 tons of fresh milk;
- What should I do if I want to participate in insurance, but the small farmers cannot provide the purchase certificate? In response to this specific problem, the functional departments and insurance institutions have negotiated and demonstrated for many times, and finally decided to optimize the insurance classification, merge the small retail investors below 100 heads (inclusive) and 100-200 heads (inclusive) into one file, and provide a measurement standard for their output;
——If the purchase price continues to fall, is it appropriate to use the purchase price of the dairy company last month as the target price? In view of this practical problem, the final plan is determined to be the target price of each grade of fresh milk to be appropriately adjusted every two periods with reference to the change in production cost, so as to ensure the rights and interests of dairy farmers with a fixed data;
……
In less than two and a half months, on July 5, the Municipal Bureau of Agriculture and Rural Affairs, the Municipal Finance Bureau and other 4 departments issued the "Notice on Carrying out the Pilot Program of Fresh Milk Target Price Insurance" to carry out fresh milk target price insurance in Laixi City.
The insurance is implemented, and the "stone in the heart" is landed
"Now, there is no need to worry about losses due to falling milk prices." On the morning of July 11, the Information Office of Qingdao Municipal Government held a regular policy briefing at Holstein Dairy Farm. At this meeting, the Municipal Bureau of Agriculture and Rural Affairs and the Municipal Bureau of Finance jointly launched the target price insurance of fresh milk. After listening to the interpretation of the policy on the spot, Li Dayong breathed a sigh of relief and was the first to sign up for insurance.
"This insurance, Laixi City to obtain a valid "animal epidemic prevention conditions certificate" or provide epidemic prevention and immunization record certificate of dairy farms (households), enterprises can be insured, the project is implemented in phases, each period is 1 month. Insurance mainly covers the reduction of farmers' income due to the reduction in the price of fresh milk. Zhao Mingxi, director of the financial audit department of Qingdao Agriculture and Rural Bureau, introduced that the pilot has increased financial investment and doubled the amount of subsidies; The price collection is optimized, the interests of dairy farms (households) are safeguarded to the greatest extent, and the "safety valve" is installed to reduce the production and operation risks of dairy farmers and stabilize the income of dairy farmers. She told reporters that even if the price of fresh milk continued to fall in the second half of the year, insured dairy farmers could still get a certain guaranteed income.
According to the person in charge of Ping An Property Insurance Qingdao Branch, the current target price insurance of fresh milk is based on the insurance contract to compensate for the difference between the actual price and the target price, of which the target price is set by the Laixi Agriculture and Rural Bureau and the insurance company with reference to the cost price of breeding, and the actual price is monitored and released by the price monitoring team. When the actual price of fresh milk is lower than the target price, the insurance company will compensate in a timely manner according to the contract.
On the afternoon of July 24, the staff of the insurance agency came to the farm to conduct an on-site audit of the number of dairy cows and farm certificates. After the publicity, policy issuance and other links, on July 30, the policy officially entered the insurance cycle. Li Dayong told reporters that he insured 55 tons of fresh milk, with a total premium of 12,430 yuan, and he only paid 2,486 yuan, and the remaining 9,944 yuan was borne by financial subsidies. At the same time, the insurance company provides more than 170,000 yuan of risk protection, which is equivalent to 85 times the insurance benefit for farmers who pay their own premiums.
For fresh milk insurance, Zhao Mingxi has more expectations. She told reporters that the target price insurance of fresh milk is a pilot insurance, and she hopes that on the basis of the efforts of all parties, the experience can be replicated and promoted, and in the next round of policy-based agricultural insurance program adjustment, strive to include it in the inclusive insurance, form a normalized policy insurance, and become a "safe haven" that dairy farmers can rely on at any time in the face of market storms.
The reporter learned that more than 140 farms (households) in Laixi City have signed up to participate in insurance. At present, the Qingdao Municipal Bureau of Agriculture and Rural Affairs is promoting the efficient implementation of insurance underwriting institutions to underwrite to households, assess losses and settle claims, and truly do good things and do practical things well.
丨Source: Qingdao Daily/Guanhai News Reporter Zhang Jin Correspondent Feng Zhi
丨Editor of this issue: Dong Xianhe
丨School reading: Dong Xianhe
丨Producer: Zhang Yao Feng Bin
丨Director: Zhao Min
Statement: Without authorization, it is forbidden to reprint and use the original articles of this official account. Please indicate the source of the official WeChat of the Dairy Times; Part of the content reproduced on this platform comes from the network, and if it involves infringement, please contact to delete.
News Hotline: 0471-6564013
Advertising hotline: 0471-6564082 6564046