“天空地”一体化技术在农业保险中的应用

Application of"Space-air-ground"Integrated Technology in Agricultural Insurance

随着科技的不断进步,农业保险在稳定农业生产、减少灾害损失方面,农业保险的角色愈发凸显其重要性。传统的农业保险模式在风险评估、灾害监测和理赔等方面存在诸多不足,而“天空地”一体化技术的出现为农业保险带来了革命性的变革。本文将以某农业保险黑龙江省绥化市海伦市爱民乡数据为例,从种植结构提取、长势监测和灾害损失评估3个方面,深入探讨“天空地”一体化技术在农业保险中的应用,以期为未来农业保险的发展提供新的视角和解决方案。

With the gradual advancement of science and technology,agricultural insurance,as an effective risk management tool,plays a crucial role in ensuring the stability of agricultural production and mitigating losses caused by disasters.However,the traditional agricultural insurance model has many shortcomings in risk assessment,disaster monitoring and claims settlement.In recent years,the rapid development of"space-air-ground"integratedtechnologyprovides a new solution for agricultural insurance.In this paper,we will discuss the application of"space-air-ground"integratedtechnology in agricultural insurance from three aspects,namely,planting structure extraction,growth monitoring and disaster loss assessment by taking the agricultural insurance data of Aimintownship,Hailun city,Suihua city of Heilongjiang province as an example,which provides new mode and solution for the development of agricultural insurance in the future.