科技创新助推农业保险高质量发展问题研究

Research on the Scientific and Technological Innovation for the High Quality Development of Agricultural Insurance

现代科技创新手段为农业保险的高质量发展提供了重要支撑。对农业保险相关主体的调研结果表明,保险公司正积极进行科技手段赋能农业保险的有益尝试,在农险产品的设计、定价、承保、查勘定损、理赔以及风控方面均取得了明显成效,提升了农险业务综合管理效率;但由于高科技毕竟属于新生事物,对农业保险发展的核心作用还远未充分发挥出来,需要进一步加大高新技术的研发投入力度,加快农业保险复合型人才建设,提升农户的科技认知水平与科技管理意识,强化政府对科技创新手段应用的支持,完善农业保险数据的共享机制,以此来推动农业保险转型升级。

Modern scientific and technological innovation tools provide important support for the high-quality development of agricultural insurance.The results of the study on agricultural insurance-related subjects show that insurance companies are actively trying to empower agricultural insurance with technology,and have achieved significant results in the design,pricing,underwriting,loss survey,claim settlement and risk control of agricultural insurance products,which has improved the comprehensive management efficiency of agricultural insurance business.However,as high technology is a new thing,its central role in the development of agricultural insurance has not been fully exploited.Therefore,we should actively promote the transformation and upgrading of agricultural insurance by further increasing the investment in research and development of high and new technologies,accelerating the construction of compound talents in agricultural insurance,improving farmers'science and technology cognition level and its management consciousness,strengthening the government's support for the application of scientific and technological innovation,and improving the sharing mechanism of agricultural insurance data.