Policy-based Pig insurance is a good policy to benefit the people and farmers, but a reporter from Xinhua Daily Telegraph found that policy-based pig insurance in some regions has changed its flavor and has become a tool for agricultural insurance institutions and livestock stations to collude illegal farmers to commit fraud and obtain subsidies.
A pig was not raised and received nearly one million compensation for live pig insurance
Insurance salesperson promised that as long as the insurance is purchased, no matter whether the pig dies or not, it will be returned to
0. In the second half of 2018, the Sichuan Deyang Discipline Inspection and Supervision Agency discovered some strange things about "pig insurance" when deepening the special governance of the "one card" management of financial subsidies for the people and farmers.
Deyang Guanghan Gaoping Town Farmer Zhang Mouwei invested more than 420,000 yuan in 2017 to purchase 75,000 fattening pig insurance and 200 breeding sow insurance, and received a compensation of more than 936,000 yuan at the end of the year. However, when the discipline inspection and supervision agencies investigated clues, they found that he was a "white pig with nothing" and had not raised a pig.
handles pig insurance business normally, and farmers need to apply for it, the animal husbandry department determines the breeding quantity, and the insurance agency verifies and underwrites. How did Zhang Mouwei open these joints?
result made the case handler dumbfounded: it was not Zhang Mouwei who opened the joints, but the joints who took the initiative to find Zhang Mouwei. The insurance agency salesperson promised Zhang Mouwei that as long as you purchase insurance, no matter whether the pig dies or not, it will be refunded in the form of a 1.5% claim, that is, 100 pigs will be compensated for 1.5 heads, the insurance premium will be 560 yuan, and the compensation will be charged 1,050 yuan.
Why do insurance institutions make news at a loss? The secret is that the government subsidizes 80% of the policy-based live pig insurance premiums and farmers pay 20%. For example, Zhang Mouwei's "business" order would be misapproved by about 1.6 million yuan.
Can't the financial department see it? The subsidy process requires grassroots animal husbandry stations to monitor the insurance agency data. Guanghan City grassroots animal husbandry station station manager Wu Moushun said that each insurance company provides 8% of the total insured amount to the animal husbandry station as a reward and subsidy, and each "insured pig" contributes 2.24 yuan to the animal husbandry station. He handed over the key to keeping the official seal to the insurance company, and he followed the instructions of how to fill in the numbers and stamp them.
After deducting the 936,000 yuan paid to Zhang Mouwei with principal and interest and more than 160,000 yuan paid to the animal husbandry station, the insurance institution put more than 900,000 yuan into its pocket, becoming a "business profit."
htmlIn the past 2003 years, Deyang City has 1,729 breeders and 41 special cooperatives have made false insurance through "increase with less investment" and "making something out of nothing" fictitious. The most household has a false insurance of up to 150,000 heads, and has embezzled more than 3.36 million yuan in financial subsidies."Pig Insurance" business chain has become a "wealth chain" and "corruption chain" through fiction and inflated development. Up to now, the Deyang Municipal Discipline Inspection and Supervision Agency has verified 545 people involved in the case, 7 insurance companies and most grassroots animal husbandry stations involved in the case, 393 people were dealt with by the organization, and 23 people were filed and investigated by the public security organs. The insurance company handled 57 people internally and recovered more than 64.46 million yuan of fiscal subsidies.
black chain is shocking. The claim settlement process requires taking photos of pigs' corpses. Insurance agency salesmen teach "tricks": freeze dead pigs and take photos at different times and places, "dead three times" in winter and "dead two times" in summer. Guanghan farmer Zeng Moumin specially bought an extra-large freezer for storing pig corpses, which can hold 5 large pigs and more than 20 small pigs. "It's so rotten that I can't take pictures, so I sent it for harmless treatment."
workers divided the pork on the pig slaughtering and processing production line. Photo by Zhang Ling, Xinhua News Agency reporter
Breaking the closed loop of interests, testing the grassroots governance capabilities, and binding the interests of livestock stations, insurance institutions and farmers. The fraud chain is highly closed loop. Feeding "data pigs" and "air pigs" have become specialized businesses. Animal Husbandry Stations are a key link. We must not only closely protect the interests of pig farmers, but also implement process supervision. The livestock station changes its flavor, and the entire chain changes its flavor.
is in
Xiaoquan Town, Jingyang District, , and the return rate is as high as 2.2% to 2.5%. Qin, the manager of Xiaoquan Animal Husbandry Station, made a profit from it. The animal husbandry station wanted to get 8% of the share. He impersonated others' names to insure 49,500 heads, and took the insurance, claim and supervision on one shoulder, and made a private profit of more than 590,000 yuan. Xiang Qiushi, director of the Fourth Office of the Discipline Inspection and Supervision Commission of Jingyang District, Deyang City, said that feeding "data pigs" and "air pigs" has become a specialized business.Livestock stations, insurance institutions and farmers' interests are tied to each other, and the fraud chain is highly closed-loop.In the professional cooperative of Fuxing Town, Zhongjiang County, the real insurance rate of breeding sows is only 1.30%, and the real insurance rate of fattening pigs is only 11.22%, which squeezes out the space for pig farmers who really need insurance. Whether
can break the highly closed loop tests the determination and ability of grassroots governance. Zhao Shiyong, Secretary of the Deyang Municipal Party Committee, demanded that one governance be carried out and a field be purified. The Deyang Municipal Commission for Discipline Inspection and Supervision coordinates the political and legal organs and finance, audit, agriculture and rural areas, banking and insurance supervision and other departments to comprehensively dig deep into the blind spots that had no authority to supervise and could not be supervised in the past.
For example, reconciliation, the number of insurance and the number of compensation are consistent with the book. There are many official seals that should be found, how to check it? We strongly connected the data of various departments and compared them and found that the compensation amount was much greater than that of pig corpses that were harmlessly treated. This is the only way to tear the breakthrough.
Sichuan Provincial Commission for Discipline Inspection and Supervision and the Deyang Municipal Party Committee adhere to a practical attitude of seeking truth from facts and exploring the situation. Its strong support for investigating and handling cases is the key to destroying the "closed loop of interests".
A piglet in the pig farming community. Photo by Li Yibo, Xinhua News Agency reporter
, forcing relevant insurance reforms to ensure the health of the mechanism
, which is generally adopted to promote policy-based pig insurance. Later, some people took a wrong path after tasting the sweetness
The insurance agency involved said that the premium refund is a incentive method commonly adopted for promoting policy-based pig insurance for fear of low acceptance by farmers. Later, some people took a wrong path after they tasted the sweetness. In the past, there was no insurance supervision agency at the county level in the local area, and there was a fluke mentality.
In view of this universality, the Sichuan Provincial Commission for Discipline Inspection and Supervision recently officially opened the curtain for the special governance of policy-based live pig insurance premium subsidy management issues in Sichuan Province.
Sichuan Provincial Banking and Insurance Regulatory Bureau stated that my country's agricultural insurance has gone from nothing to something, and in just over a decade, it has gone through the path that developed countries have taken for hundreds of years, and its rapid development has also laid a large number of hidden risks. The key links are vague, providing an opportunity for internal and external personnel to cheat insurance and compensation. Through special governance, we must face the "three false" problems of false underwriting, false claims and false expenses in agricultural insurance operations, crack down on illegal and irregular behaviors in agricultural insurance, and firmly defend the bottom line of no systemic regional risks in the agricultural insurance field.
investigation and punishment is a means, and the purpose is to ensure that farmers’ pig farming risks are truly reduced. At Xingxin Pig Breeding Farm in Xinglong Town, Guanghan City, the reporter saw that Ping An Insurance is piloting an intelligent supervision platform that can realize "pig face recognition" and "electronic ear tags". When will the pig enter the pen and when it is slaughtered, it will be automatically grabbed through the track positioning. The server is in the "cloud", and farmers only need to access the camera without additional expenses.
Care from Guanghan Municipal Agriculture and Rural Affairs Bureau Chen Guanhong introduced that after the cancellation of the reward, a few breeders were unwilling to participate in insurance. The local area explores process reform and regards all pigs in the city as insured, and the insurance agency advances the 20% of the part that the farmers should pay. After confirming that the pigs die, it will be deducted from the compensation. Insurance institutions receive financial subsidies based on the number of slaughtered items. "Open the front door but not the back door" to increase farmers' enthusiasm for participating in policy insurance and ensure the healthy mechanism.
