河南工业大学学报（社会科学版）

“保险+期货”模式作为一种创新的风险管理手段，把保险的风险保障作用与期货市场的价格发现、套期保值作用相融合，可以有效提高农业生产经营者应对风险的能力，为我国农业风险管理体系的完善提供新思路。黑龙江“保险+期货”模式虽在稳定农户收入、平抑价格波动、促进产业链升级等方面取得了显著成效，却面临农户金融认知不足、保险产品覆盖单一、期货市场品种集中及政策支持力度有限等现实瓶颈。从强化农户培训、优化产品设计、丰富期货交易品种、完善政策支撑等维度提出了优化策略。

As an innovative risk management tool,the " insurance + futures" model integrates the risk protection function of insurance with the price discovery and hedging capabilities of the futures market. This integration effectively enhances the risk-response capacity of agricultural producers and operators,offering new perspectives for improving China's agricultural risk management system. As a major agricultural production region in China,Heilongjiang has taken the lead in implementing the " insurance + futures" model. Through explorations in typical projects,such as soybeans in Hailun City and corn in Qiqihar City,significant achievements have been made in stabilizing farmers' incomes,curbing price fluctuations,and promoting industrial chain upgrading. However,the current promotion of this model faces practical bottlenecks,including farmers' limited financial literacy,the single coverage of insurance products,the concentration of futures market varieties,and limited policy support. By analyzing Heilongjiang' s practical experience,this study proposes progressive optimization strategies from multiple dimensions: strengthening farmer training,optimizing product design,enriching futures trading varieties,and improving policy support. Additionally,it distills replicable experiences such as " selecting products according to local conditions" and " coordination among government,financial institutions,and farmers," providing theoretical references and practical pathways for promoting this model in major agricultural production regions nationwide. These efforts aim to enhance the resilience of agricultural industrial chains under the rural revitalization strategy.