科技助力广西农业保险高质量发展研究  

Research on How Agricultural Insurance Technology Supports High-Quality Development of Agricultural Insurance in Guangxi

作　　者：黄子津 

机构地区：[1]广西金融职业技术学院

出　　处：《广西经济》2024年第5期85-96,共12页GUANGXI ECONOMY

基　　金：2024年度广西高校中青年教师科研基础能力提升项目“农险科技赋能广西农村经济高质量发展研究”(2024KY1582)。

摘　　要：农业保险在分散农业经营风险、推动现代农业发展以及促进乡村产业振兴等方面具有重要作用,而科技则是农业保险高质量发展的核心驱动力。文章以广西农险为例基于保险公司、政府部门和参保农户三个视角,系统分析了科技支持广西农业保险高质量发展的实践效果及其存在的局限。研究发现,当前广西的农业保险科技支持在提升保险效率、优化风险管理和提高农户参与度方面取得了一定成效,但仍然存在技术应用不均、创新动力不足和基层推广难度较大等问题。针对这些问题,文章提出以下建议:一是加大对农业保险科技创新的投入,特别是在数据分析、风险评估和智能化管理领域;二是重视并加强农险科技人才队伍的建设,培养和引进高素质的专业人才;三是提升地方政府对农业保险科技应用的意识,鼓励政策支持和试点示范;四是加大对农险科技的宣传力度,增强农户对新技术的认知与信任。实施这些措施,将进一步推动农业保险的高质量和可持续发展,助力农业现代化和乡村振兴目标的实现。Agricultural insurance plays an indispensable role in mitigating agricultural operational risks,pro-moting the development of modern agriculture,and facilitating rural industrial revitalization.Technological innova-tion is the core driving force for achieving high-quality development of agricultural insurance.Based on the perspec-tives of insurance companies,government departments,and insured farmers,this study has systematically analyzed the practical effects and limitations of technological support for the high-quality development of agricultural insur-ance in Guangxi.The study finds that current technological support for agricultural insurance in Guangxi has achieved certain success in improving insurance efficiency,optimizing risk management,and increasing farmer par-ticipation.However,there are still problems such as uneven application of technology,insufficient innovation moti-vation,and difficulties in grassroots promotion.To address these issues,this study proposes the following recommen-dations:first,increase investment in technological innovation for agricultural insurance,particularly in data analy-sis,risk assessment,and intelligent management;second,emphasize and strengthen the construction of a talent pool for agricultural insurance technology,fostering and attracting high-quality professionals;third,enhance the aware-ness of local governments regarding the application of technology in agricultural insurance,encouraging policy sup-port and pilot demonstrations;fourth,intensify the promotion of agricultural insurance technology,increasing farm-ers’cognition and trust in new technologies.These measures aim to further promote the high-quality and sustain-able development of agricultural insurance in Guangxi and contribute to the realization of agricultural modernization and rural revitalization goals.

关 键 词：农险科技 农业保险 农业遥感技术 区块链技术 人工智能 

分 类 号：F842.66[经济管理—保险]