摘要
农业保险对稳定粮食生产、促进乡村振兴意义重大。我国是全球农业保险保费规模最大的国家,农业保险发展迅速,但是理赔不精准等问题阻碍了农业保险高质量发展。本文以山东滨州地区农业保险实践为例,着重探讨农业保险平均赔付、协商赔付等理赔不精准问题,分析原因并提出推进理赔科技化与数字化建设、完善理赔监督管理制度、加快试点创新型农业保险产品、提高保障水平等建议。
Agricultural insurance is of great significance to stabilize grain production and promote rural revitalization.China is the largest agricultural insurance premium scale country in the world where agricultural insurance has developed rapidly,but there are problems such as inaccurate claims,which hinder the highquality development of agricultural insurance.Taking the practice of agricultural insurance in Binzhou area of Shandong Province as an example,this paper focuses on the inaccuracy of agricultural insurance claims such as average payment and negotiated payment,analyzes the reasons,and puts forward suggestions on promoting of scientific and digital claims,strengthening claims supervision and management system,accelerating the pilot of innovative agricultural insurance products,and improving the guarantee level.
作者
张保帅
任晓莉
ZHANG Baoshuai;REN Xiaoli
出处
《保险职业学院学报》
2024年第1期71-76,共6页
Journal of Insurance Professional College
关键词
农业保险
精准理赔
财政补贴
粮食安全
农业数据
agricultural insurance
accurate claim settlement
financial subsidies
food security
agricultural data
