区块链技术与农业保险融合发展通道及机制研究

On the Development Channel and Mechanism of the Integration of Blockchain Technology and Agricultural Insurance

区块链技术具有去中心化、去信任化、不可篡改等特点,自问世以来就受到了全世界广泛关注,在金融行业具有广阔的应用前景。农业保险能分散农业风险,是保障农业生产的重要力量,但目前我国农业保险存在经营成本高、运行效率低、信息不对称、保险机构参与积极性不高、对财政形成过度依赖等问题,制约了农业保险健康发展。区块链技术与农业保险的融合发展,可以有效克服传统农业保险经营中的道德风险与逆向选择问题,提高农业保险交易效率和受益覆盖面。基于此,本文将系统分析区块链技术在农业保险中的应用前景,探究区块链技术与农业保险融合发展的通道,并提出相应的发展模式、机制设计与政策建议。

Blockchain technology has the characteristics of decentralization,de-trust,and non-tampering.Since its inception,it has received widespread attention worldwide and has broad application prospects in the financial industry.Agricultural insurance can disperse agricultural risks and is an important force to protect agricultural production.However,at present,China s agricultural insurance has problems such as high operating costs,low operating efficiency,asymmetric information,low participation of insurance institutions,and excessive dependence on finance,restrict the healthy development of agricultural insurance.The integrated development of blockchain technology and agricultural insurance can effectively overcome the moral hazard and adverse selection problems in traditional agricultural insurance operations,and improve the efficiency and benefit coverage of agricultural insurance transactions.Based on this,this article will systematically analyze the application prospects of blockchain technology in agricultural insurance,explore the channels for the integrated development of blockchain technology and agricultural insurance,and propose corresponding development models,mechanism design,and policy recommendations.