| The planting areas and the yields of vegetables rank first among various crops in Guangzhou. Vegetable cultivation has become one of the most important industries of urban modern agriculture in Guangzhou. However, the vegetable cultivation in Guangzhou is dominated by open-air production, which is prone to suffer from various meteorological disasters and cause huge losses. As an effective means to disperse and transfer agrometeorological disasters, agricultural insurance is an important measure to ensure the sustainable development of agriculture. Therefore, it is of strong practical significance to develop insurance products for vegetable cultivation. With precipitation and strong wind as meteorological indexes, the daily precipitation ≥ 100 mm, or daily maximum wind speed ≥ grade 7 are set as claim standard, and different insurance rates in various districts are determined to reduce the basis risk according to the difference of historical meteorological data in each district. The vegetable meteorological index insurance products that can be easily understood and accepted by farmers are constructed, the pilot extension of which has achieved good results in Guangzhou. The agricultural insurance varieties in Guangdong have been enriched, which effectively solve the outstanding problems of agricultural commercial insurance and policy insurance in Guangdong, and play a positive role in improving the ability of vegetable planting to resist risks and promoting the sustainable development of vegetable planting industry. It is suggested that government departments should increase the density of meteorological monitoring, develop meteorological index insurance products actively, strengthen cooperation in research and development of insurance products, strengthen the capacity building for disaster prevention and reduction in rural areas, increase the publicity of meteorological index insurance, summarize the experience of pilot work promptly, establish and improve the agricultural insurance security system based on policy-oriented agricultural insurance, construct multi-level risk dispersion mechanism of agricultural insurance, help to build a modern industrial system with Lingnan features and promote the development of modern agriculture and the revitalization of rural industries. |
