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.