农业展望2023，Vol.19Issue(10)：3-12,10.
中国农业保险精确承保精准理赔存在的问题、成因与对策
Issues,Causes,and Strategies for Accurate Underwriting and Precise Claims in Agricultural Insurance in China
摘要
Abstract
As an important component of agricultural support and protection policies and rural financial service systems,China's agricultural insurance has played an important role in protecting national food security and important agricultural products supply,and has achieved outstanding results.However,at present,underwriting and claims of agricultural insurance are still quite extensive.The issues such as low efficiency,outdated methods,serious moral risks,and non-standard in co-insurance seriously affect the sustainable development of agricultural insurance and the gain sense of insured farmers.The reasons lie in the outdated technical means,lack of supporting information,low quality of grassroots teams,and inadequate risk control in insurance institutions;the insurance information asymmetry,difficulty in data sharing,lack of standards and regulations and absence of a mechanism for approval in government management departments;the weakness of the rural and agricultural foundation,insufficient awareness and understanding to insurance in farmers,not fully implement in right to know of insurance and limitation in the application of technology.At present,accurate underwriting and precise claims in agricultural insurance need to be promoted urgently,which is of great significance.Based on this,insurance institution should increase the application of technological innovation,strengthen the grassroots service systems,and build internal risk control systems;government departments should establish a mechanism for big data sharing and application,accelerate the formulation of standards and regulations for surveying and loss assessment,and promote the establishment of a loss assessment committee;at the same time,it is necessary to enhance the insurance awareness of insured farmers,correct misconceptions,and promote the popularization of technologies.All these are jointed to promote the precise transformation and upgrading of agricultural insurance in China.关键词
农业保险/精确承保/精准理赔/道德风险/保险科技Key words
agricultural insurance/accurate underwriting/precise claims/moral risk/insurance technology引用本文复制引用
赵思健,李宏伟..中国农业保险精确承保精准理赔存在的问题、成因与对策[J].农业展望,2023,19(10):3-12,10.基金项目
农业农村部2022年农业农村政策研究课题"我国农业保险精确承保精准理赔问题与对策研究"(07220077) （07220077）
国家国防科技工业局重大专项工程中心课题"高分遥感在农业保险真实性交叉校验中试点应用"(2X2X-CGZH-40-202238) （2X2X-CGZH-40-202238）
