印度农作物保险损失理赔模式及其启示  

The Model of Crop Insurance Loss Settlement in India and its Implications

作　　者：王明高 WANG Minggao

机构地区：[1]山东工商学院金融学院,烟台264005

出　　处：《世界农业》2024年第6期5-14,共10页World Agriculture

基　　金：国家社会科学基金重大项目“巨灾保险的精算统计模型及其应用研究”(16ZDA052),国家自然科学基金项目“复杂数据结构下的巨灾保险定价模型及其应用研究”(71901064)。

摘　　要：作为以小农户为主体的国家,印度非常重视农作物保险的发展,为了提高理赔数据质量,印度建立了以政府为主导的农作物理赔查勘制度,将全国农作物理赔数据集中在一个平台。印度政府相关部门还积极研究农作物产量测算技术,有效提升了农作物保险的理赔速度和质量。近年来,随着中国农作物保险的快速发展,产生越来越多的保险索赔,快速、准确地测算农作物损失的重要性日益突出。借鉴印度经验,创新农作物保险的理赔模式,提升理赔数据质量,维护农民利益,促进农作物保险高质量发展,为乡村振兴提供更好的保险服务。As a country dominated by small farmers,India attaches great importance to the development of crop insurance.In order to improve the quality of loss settlement data,India has established a government-led crop claims Survey system,which centralizes the national crop loss settlement data in one platform.The relevant departments of the Indian government have also actively studied crop yield measurement technology,which has effectively improved the speed and quality of crop insurance loss settlement.In recent years,with the rapid development of crop insurance in our country,there are more and more insurance loss settlement,and the importance of measuring crop losses quickly and accurately has become increasingly prominent.Learn from the experience of India,innovate the loss settement mode of crop insurance,improve the quality of claims data,safeguard the interests of farmers,promote the high-quality development of crop insurance,and provide better insurance services for rural revitalization.

关 键 词：农作物保险 理赔查勘 乡村振兴 作物切割实验 

分 类 号：F843.51[经济管理—保险] F842.66