衍守千年绿保铸万源金——“温度指数衍生品+气象指数”双保险护航万源茶叶产业

期货日报网2025-08-08

巴山深处，薄雾初起。四川省万源市石塘镇和固军镇的层层茶垄，像一卷被晨露润开的翡翠长轴，铺陈出三千年不熄的茶香。万源市石塘镇瓦子坪村股份经济合作联合社负责人付华尧指尖翻飞，“半天鲜叶一斤，家门口月入三千，这日子，西周老祖宗怕也想不到！”他背后万亩富硒茶园，正被一根看不见的“金融温度尺”轻轻守护——由国投期货有限公司与中国工商银行股份有限公司联合首创的“温度指数衍生品+气象指数”试点项目于近日在万源市...

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href=http://www.qhrb.com.cn/articles/337624><strong>期货日报网</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>巴山深处，薄雾初起。四川省万源市石塘镇和固军镇的层层茶垄，像一卷被晨露润开的翡翠长轴，铺陈出三千年不熄的茶香。万源市石塘镇瓦子坪村股份经济合作联合社负责人付华尧指尖翻飞，“半天鲜叶一斤，家门口月入三千，这日子，西周老祖宗怕也想不到！”他背后万亩富硒茶园，正被一根看不见的“金融温度尺”轻轻守护——由国投期货有限公司与中国工商银行股份有限公司联合首创的“温度指数衍生品+气象指数”试点项目于近日在万源市...</p>\n\n<a href=\"http://www.qhrb.com.cn/articles/337624\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU1794554557.SGD","symbol_name":"Allianz All China Equity AT Acc 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SGD"},"translate_title":"Maintaining thousands of years of green protection and casting Wanyuan gold-\"Temperature Index Derivatives + Meteorological Index\" dual insurance protects Wanyuan tea industry","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"159940":1,"161121":1,"601398":1,"01398":1,"03143":0.6},"content_text":"巴山深处，薄雾初起。四川省万源市石塘镇和固军镇的层层茶垄，像一卷被晨露润开的翡翠长轴，铺陈出三千年不熄的茶香。万源市石塘镇瓦子坪村股份经济合作联合社负责人付华尧指尖翻飞，“半天鲜叶一斤，家门口月入三千，这日子，西周老祖宗怕也想不到！”他背后万亩富硒茶园，正被一根看不见的“金融温度尺”轻轻守护——由国投期货有限公司与中国工商银行股份有限公司联合首创的“温度指数衍生品+气象指数”试点项目于近日在万源市启动，为大巴山千年贡茶续写富民新篇。\n\n千年绿脉：贡茶飘香，亦惧天威\n《华阳国志》载：“周武王伐纣，巴蜀以茶入贡。”宋代《紫云坪植茗灵园记》摩崖石刻，更将万源引种建溪良种的壮举凿进石壁。自此，千年茶香不绝，孕育“矿山茶”“巴山雀舌”等名品。然而，2024年仲夏，连续38℃热浪灼伤三成茶园，损失逾百万元，古贡茶险些成“烫手青”，凸显气候风险之痛。\n\n破局之钥：温度指数，化天险为标尺\n2025年盛夏，转机随山风而至。考虑到茶农在对抗高温气象灾害方面缺乏有效手段和途径，在大连商品交易所的倡议和指导下，国投期货联合工商银行将中央气象台—大商所天气系列指数温度指数衍生品和气象指数保险试点项目带进万源茶乡。大商所温度指数是由中国气象局中央气象台与大连商品交易所联合研发，该指数基于中央气象台权威的气象数据，涵盖22个全国主要城市。本次温度指数衍生品试点项目将原本难以预判的高温风险量化为公开透明的数值曲线，把气温波动数值设计为指数型金融衍生品标的，以茶树耐受临界温度为触发值，通过衍生品交易对冲风险，为万源市茶农筑起精准而高效的风险屏障。\n双剑合璧：国投期货首创“温度指数衍生品+气象指数保险”双保险\n如何让“温度尺”真正护佑茶农？国投期货亮出全国首单“温度指数衍生品+气象指数保险”双保险方案，形成风险管理闭环。\n温度指数衍生品端——金融风险转移：由国投期货为茶叶种植合作社设计挂钩大商所温度指数成都地区的场外衍生品产品，约定产品期限内一旦当日14时气温突破触发值33℃，则达到赔付条件，将高温风险转移至金融衍生品市场。为减轻合作社参与衍生品交易的成本压力，国投期货捐赠乡村振兴帮扶资金10万元，用于项目主体权利金费用支出，以实际行动保障项目实施。\n气象指数保险端——精准覆盖“基差”：由工商银行帮扶开展的气象指数保险试点项目，覆盖茶叶种植面积1万亩，保费共计99万元，其中工商银行帮扶捐赠79.2万元，农户自缴19.8万元。气象指数保险精准弥合了温度指数基准地与具体茶园小气候之间“最后一公里”的温度“基差”风险，确保赔付更加精准且直达受灾茶农。\n双剑合璧，则长短相济。对比大商所温度指数衍生品和气象指数保险可以发现二者实现较好互补关系。温度指数衍生品具备交易要素灵活、交易形式多样、入场离场日期自由、结算便捷高效、覆盖范围广等特点。而气象指数保险则普惠易用，基差相对更小，局部地域保障精准。两种风险管理工具的合作，既满足灵活度，又具有普适性，机构得效率，农户得实惠。\n\n“这相当于为茶园套上‘双层防热铠甲’，也正是我们本次项目设计双保险模式的缘由。”国投期货项目负责人阐释道：“温度指数衍生品覆盖大范围的高温系统性风险，配套气象指数保险则精准补偿万源市局部小气候差异。两者无缝衔接，形成闭环，是金融市场服务实体产业、服务‘三农’的积极创新和有效尝试，既保障了茶农收益，又优化了风险管理效率。”\n绿浪生金：金融赋能产业雄心\n从“靠天吃饭、提桶浇水”的传统种植模式，到主动运用金融工具管理产业风险，瓦子坪村股份经济合作联合社负责人付华尧信心倍增，计划再扩100亩优种茶园。“高温有保障了！银行敢放贷、企业敢下订单、我们茶农就敢投入。”更深远的是，温度指数赋予茶园可量化的“气象信用”，为产业标准化、规模化注入强大动力。\n\n山海回响：古今交融，金链富民\n北宋摩崖石刻《紫云坪植茗灵园记》的千年智慧，今日在数字大屏上与实时跳动的温度指数曲线隔空对话，共同见证万源茶叶产业的新生。大连商品交易所、国投期货、工商银行三方力量汇聚巴山，以“温度指数衍生品+气象指数”双保险为核心，将千年茶魂锻造成一条稳固的富民金链。\n晨雾弥漫，茶歌又起。茶农们望向满目翠色，内心底气十足，不由赞叹：“千年贡茶，今朝生金。万里茶香，古韵流芳！”","kind":"live","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":true,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 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衍守千年绿 保铸万源金——“温度指数衍生品+气象指数”双保险护航万源茶叶产业

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衍守千年绿保铸万源金——“温度指数衍生品+气象指数”双保险护航万源茶叶产业