Historical Evolution,Theoretical Logic and Future Prospects of Digitization of Agricultural Insurance
Under the goal of anchoring the construction of an agricultural power,how to use digital technology to become a new driving force for the development of agricultural insurance is an important issue for the high-quality development of agricultural insurance in the new era.First of all,from the perspective of big history,the digitalization of China's agricultural insurance has experienced a long-term evolution from the"manual age"to the"Internet age"and then to the"artificial intelligence age",and the driving role of digital technology on the development of agricultural insurance has gradually become prominent.Secondly,from the perspective of theoretical logic,this paper innovatively introduces the theory of digital transformation into the TOE theoretical logic framework,constructs a comprehensive analysis framework of agricultural insurance digitalization at four levels of"technology-organization-structure-environment",and finds that digital technology can improve the quality of agricultural insurance through"data effect"and"linkage effect".It supports the continuous expansion and cross-integration of organizational operation boundaries,reshaping business modules,business processes and strategic objectives,and promotes the re-creation of agricultural insurance value.Based on this,China's agricultural insurance digitalization in the future can focus on key areas such as expanding the collection channels of agricultural insurance data and improving the top-level planning of agricultural insurance digitalization,which will help achieve high-quality development of agricultural insurance.
万方数据
维普
