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数智技术赋能农业保险:破解供需失衡难题的经济学分析

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农业保险作为农业风险管理的重要工具,正面临供需失衡的严峻挑战.从经济学视角出发,结合准公共物品理论、供需曲线等对农业保险供需失衡问题展开分析,在此基础上结合典型案例,利用道格拉斯生产函数、成本收益函数等揭示了数智技术缓解农业保险供需失衡的经济学原理.研究发现,"数智技术+农业保险"模式能够改善传统模式下农业保险市场信息不对称、运营成本高及服务水平不足等问题,促进农业保险"精准定价""精准承保""精准理赔",推动农业保险供需两侧有效对接.因此,需着力构建数智技术财政激励体系,搭建农业数智技术数据共享生态系统,提升农户数智技术应用能力,为培育农业保险新质生产力提供支撑,推进农业保险供需有效匹配.
Digital Intelligence Technology Enabling Agricultural Insurance:An economic analysis of crack-ing the supply-demand Imbalance puzzle
Agricultural insurance,as an important tool for agricultural risk management,is facing the serious challenge of supply-demand imbalance.From the perspective of economics,the imbalance between sup-ply and demand of agricultural insurance is analyzed by combining quasi-public goods theory with sup-ply and demand curves.On this basis and some typical cases,the economic principles of digital intelli-gence technology enabling to alleviate the imbalance between supply and demand of agricultural insurance are revealed by using the Douglas production function and cost-benefit function and so on.The study finds that the"digital intelligence technology+agricultural insurance"model can improve the traditional model's agricultural insurance market information asymmetry,high operating costs and insufficient service level.It promotes"accurate pricing","accurate underwriting"and"accurate claim settlement"of agri-cultural insurance,and promotes effective docking between the supply and demand sides of agricultural insurance.Therefore,it is necessary to focus on building a financial incentive system for digital technolo-gy,establishing an agricultural digital technology data sharing ecosystem,and improving the ability of farmers to apply digital technology,so as to support the cultivation of new productivity in agricultural in-surance,and to promote the effective matching of supply and demand in agricultural insurance.

周密、陈盛伟

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山东农业大学经济管理学院,山东泰安,271018

山东理工大学经济学院,山东 淄博,255000

数智技术 农业保险 供需失衡 财政补贴

2024

山东农业大学学报(社会科学版)
山东农业大学

山东农业大学学报(社会科学版)

CHSSCD
影响因子:0.36
ISSN:1008-8091
年,卷(期):2024.26(3)