2026年7月13日下午，海南省渔业协会组织召开海洋经济+渔业保险座谈会。华域风控、平安农险、农行、邮储银行等代表参会，结合今年4月全省13市县60家海水养殖企业调研情况，研讨渔业保险、融资难题。

此前全省一线调研结果显示，海南海水养殖产业易受台风、赤潮等灾害冲击，养殖损失风险高，传统渔业保险保障覆盖有限，多数渔业经营主体缺少有效抵押物，长期存在贷款难、融资成本偏高的问题。协会将持续发挥行业桥梁纽带作用，持续对接各金融机构、行业风控单位，同步对接主管部门争取财政保费补贴政策，切实减轻渔业经营主体投保、融资成本压力。

会上各方达成产品创新落地共识：由平安农险牵头，联合多家保险机构拟建渔业共保体新型水产收益保险，全方位覆盖养殖灾害、市场价格波动等各类经营风险，并配套智能风控系统降低理赔、承保风险；农行、邮储银行同步配套推出保单质押专项信贷产品，依托养殖保险保单完成增信，叠加贴息政策进一步压缩养殖主体融资成本，打造“保险兜底、信贷供血”一体化渔业金融服务模式。

参会各方明确后续推进路径，由省渔业协会牵头汇总本次座谈意见、完善整体实施方案并向有关部门专题汇报。

Multi-Party Collaboration Continues to Promote Fisheries Development

Hainan Fisheries Association Holds Marine Economy and Fisheries Insurance Discussion Meeting

On the afternoon of July 13, 2026, the Hainan Fisheries Association organized a discussion meeting on the marine economy and fisheries insurance. Representatives from Huayu Risk Control, Ping An Agricultural Insurance, the Agricultural Bank of China, and Postal Savings Bank of China attended the meeting. Based on the findings from surveys conducted in April involving 60 marine aquaculture enterprises across 13 cities and counties in Hainan, participants discussed fisheries insurance and financing challenges facing the industry.

Previous field surveys across the province showed that Hainan's marine aquaculture industry is highly vulnerable to natural disasters such as typhoons and red tides, resulting in a high risk of production losses. Traditional fisheries insurance provides only limited coverage, and most fisheries operators lack sufficient collateral, making it difficult to obtain loans and resulting in relatively high financing costs. The Association will continue to serve as a bridge between the industry and financial institutions by strengthening cooperation with banks, insurance companies, and risk management organizations. At the same time, it will work with the relevant government departments to seek government premium subsidy policies, helping reduce the costs of insurance and financing for fisheries operators.

During the meeting, all parties reached a consensus on developing innovative financial products. Led by Ping An Agricultural Insurance, several insurance companies plan to establish a co-insurance scheme and introduce a new aquaculture income insurance product. The insurance will provide comprehensive coverage against aquaculture disasters, market price fluctuations, and other operational risks. It will also be supported by an intelligent risk management system to reduce underwriting and claims risks.

At the same time, the Agricultural Bank of China and the Postal Savings Bank of China will introduce specialized loan products secured by insurance policies. Using aquaculture insurance policies as collateral enhancement, together with interest subsidy policies, the program will further reduce financing costs for aquaculture businesses and create an integrated fisheries financial service model that combines "insurance protection with financial support."

At the end of the meeting, all participating organizations agreed on the next steps. The Hainan Fisheries Association will take the lead in compiling the meeting recommendations, improving the overall implementation plan, and submitting a