科技赋能背景下我国农业保险高质量发展研究

Research on the High quality Development of the Agricultural Insurance in China under the Background of Technological Empowerment

本文采用理论分析与案例研究方法,梳理我国农业保险高质量发展及农业保险科技应用现状,并结合国内外农业保险科技应用具体案例,探讨科技推动农业保险高质量发展的成效。研究发现,我国农业保险持续保持良好的发展态势,科技的应用为解决农业保险痛点问题提供了路径,但也存在保险科技应用成本较高、“数据孤岛”、保险科技供给尚不能满足需求、数据安全与隐私存在隐患等问题。建议采取加大农业保险科技创新投入与应用力度,建立农业保险数据共享机制,加快农村基础设施建设进程等措施,推动农业保险的高质量发展。

This paper sorts out the high quality development of the agricultural insurance in China and the status quo of agricultural insurance science and technology application by theoretical analysis and case study,and explores the effectiveness of science and technology on the high quality development of agricultural insurance combining domestic and foreign agricultural insurance science and technology application specific cases.The study found that the agricultural insurance in China continues to maintain a good development trend,and the application of science and technology provides a path to solve the pain point problems of agricultural insurance.However,there are also problems such as high cost of insurance technology application,“data silo”,supply of insurance technology can not yet meet the demand,and hidden danger of data security and privacy.It is recommended that measures should be taken to promote the high quality development of agricultural insurance by increasing investment and application of agricultural insurance science and technology innovation,establishing an agricultural insurance data-sharing mechanism,and accelerating the process of rural infrastruc-ture construction.