摘要
作为农业支持保护政策和农村金融服务体系的重要组成部分,中国农业保险在保护国家粮食安全和重要农产品供给方面发挥了重要作用,成效显著。然而,现阶段中国农业保险承保理赔依旧相当粗放,存在效率低下、手段落后、道德风险严重、协保不规范等现状与问题,严重影响了农业保险的可持续发展和参保农民的获得感。究其原因在于保险机构的技术手段落后、支撑信息缺乏、基层队伍素质低、风险管控不健全;政府管理部门的保险信息不对称、数据共享难度大、标准规范难制订和核定机制未形成;农村农业的基础相对薄弱,农民保险意识和认识不足,保险知情权未全面落实和科技应用能力有限。现阶段,农业保险亟待推进精确承保和精准理赔工作,意义重大。基于此,保险机构应加大科技创新应用力度、加强基层服务体系建设和构筑内部风险管控体系;政府部门应建立大数据共享与应用机制、加快查勘定损标准规范制订和推进损失核定委员会设立;同时,应增强投保农户保险意识、纠正错误认识并推动科技在农民端普及,进而合力推动中国农业保险的精准化转型升级。
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present,underwriting and claims of agricultural insurance are still quite extensive.The issues such as low efficiency,outdated methods,serious moral risks,and non-standard in co-insurance seriously affect the sustainable development of agricultural insurance and the gain sense of insured farmers.The reasons lie in the outdated technical means,lack of supporting information,low quality of grassroots teams,and inadequate risk control in insurance institutions;the insurance information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.
作者
赵思健
李宏伟
Zhao Sijian;Li Hongwei(Agricultural Information Institute of Chinese Academy of Agricultural Sciences,Beijing 100081;Earth Observation System and Data Center,CNSA,Beijing 100101;The Third Institute of CASIC HiWing Satellite Operation Division,Beijing 100070)
出处
《农业展望》
2023年第10期3-12,共10页
Agricultural Outlook
基金
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)
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)。
关键词
农业保险
精确承保
精准理赔
道德风险
保险科技
agricultural insurance
accurate underwriting
precise claims
moral risk
insurance technology
