平安产险青岛分公司推出全国首单大商所补贴生猪"保险+期货"收入险，已在山东莱西落地[1]。这款创新保险产品首次实现了对生猪价格和产量的双重保障[1]，通过期货市场对冲风险机制，当养殖户实际收入低于约定收入时进行赔付，为养殖户构建起收入"安全网"[1]。
莱西地区年出栏生猪约60万头[1]，养殖户面临的风险突出。单头猪养殖成本约1400元[1]，市场收猪价每斤5元多[1]，收入波动较大。新推出的收入险将约定收入保障标准设定为每头1413.25元[1]。养殖户徐瑞杰的养殖场成为首批投保者，首单投保2500多头生猪[1]。
金融监管总局、财政部、农业农村部于今年3月联合印发《关于加强协作促进生猪保险高质量发展的通知》[1]，为这一创新产品的推出提供了政策支持。平安产险青岛分公司于今年5月起与申银万国期货联合开发该产品[1]，通过保险与期货的结合为生猪养殖户提供了更加全面的风险保障。
Ping An Property & Casualty Insurance's Qingdao branch has introduced China's first commodity exchange-subsidized "insurance plus futures" income protection product for hog farmers, with the initial policy deployed in Laixi, Shandong province [1]. This innovative coverage marks the first time hog farmers receive dual protection against both price and production volume fluctuations [1]. The product utilizes futures markets to hedge risks and compensates farmers when actual income falls below a guaranteed threshold, creating a financial safety net for livestock operations [1].
The pilot policy guarantees protection at 1,413.25 yuan per head, considering typical production costs of approximately 1,400 yuan per pig and current market prices exceeding 5 yuan per pound [1]. Xu Ruijie's farming operation became the initial subscriber, insuring more than 2,500 hogs under the new scheme [1]. Laixi, a major production hub, raises approximately 600,000 hogs annually [1]. The product was jointly developed by Ping An Property & Casualty Insurance's Qingdao branch and Shenyin Wanguo Futures beginning in May of this year, following a March directive from the Financial Regulatory Administration, Ministry of Finance, and Ministry of Agriculture and Rural Affairs promoting high-quality hog insurance development [1].