数字经济时代东西典型省份“互联网+农业保险”促进乡村振兴研究

“Internet Plus Agricultural Insurance”Promoting Rural Revitalization in Typical Eastern and Western Provinces in the Era of Digital Economy

农业保险是实施乡村振兴战略的重要抓手。在大数据日益得到广泛应用的条件下,我国保险业面临如何推进传统农业保险依托区块链、云计算等新科学技术手段实现数据互联互通,以减少信息不对称现象,成功向数字化转型,并通过“互联网+农业保险”服务乡村振兴这一重大挑战。虽然农业保险已在“三农”领域中大有作为,但是“互联网+农业保险”赋能乡村振兴的作用仍然极其有限,存在诸多问题。基于数字经济时代这一视域,江苏是东部地区典型的省份,青海是西部地区典型的省份,在“互联网+农业保险”促进乡村振兴方面,对江苏和青海进行深入研究具有典型意义。为进一步推进“互联网+农业保险”在乡村振兴中的作用,不仅需要加大大数据的普及利用、加快互联网+农业保险的发展步伐,还应充分发挥“互联网+农业保险”赋能乡村振兴的作用并提供相应的法律保障机制。

Agricultural insurance is an important starting point for implementing the rural revitalization strategy.Under the condition that big data is increasingly widely used,China’s insurance industry is facing the major challenge of how to promote the data interconnection of traditional agricultural insurance relying on blockchain,cloud computing and other new scientific and technological means,to reduce information asymmetry and successfully transform to digital intelligence,and to serve the rural revitalization through“internet plus agricultural insurance”.Although agricultural insurance has made great achievements in the field of agriculture,rural areas and farmers,the role of“internet plus agricultural insurance”in enabling rural revitalization is still extremely limited,and there are many problems.From the perspective of the digital economy era,Jiangsu is a typical province in the eastern region and Qinghai is a typical province in the western region.In terms of“internet plus agricultural insurance”promoting rural revitalization,in-depth research on Jiangsu and Qinghai is of typical significance.The view in this paper is that in order to further promote the role of“internet plus agricultural insurance”in rural revitalization,it is not only necessary to increase the popularity of data and accelerate the pace of development of“internet plus agricultural insurance”,it should also give full play to the role of“internet plus agricultural insurance”in enabling rural revitalization and provide corresponding legal protection mechanisms.