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阳光农险：破解传统承保难题 打造智慧农险新体验
Zhong Guo Jin Rong Xin Xi Wang·2025-06-27 10:37

Core Insights - Sunshine Agricultural Mutual Insurance Company successfully completed the underwriting of 41,000 electronic insurance policies for crop planting, providing risk coverage of 4.3 billion yuan for insured farmers [1][2] - The company has explored new pathways for agricultural insurance development by leveraging data potential, enhancing data system connectivity, and applying advanced technologies [1][2] Group 1: Traditional Challenges and Solutions - Farmers traditionally face cumbersome procedures and difficulties in information verification during the insurance application process [1] - Sunshine Agricultural Insurance has established a unified and standardized farmland information database by integrating multiple systems, including the Beidahuang land contracting system and the Beidahuang agricultural service app [1][2] - The company has implemented satellite remote sensing verification and blockchain technology to achieve a fully digital transformation of the crop insurance process from application to claims [1][2] Group 2: Technological Empowerment and Efficiency - By standardizing data and accurately matching land contracting with farmland resource management systems, the company has automated the generation of electronic insurance applications [2] - The time for underwriting has been reduced from approximately 45 days to around 10 days, allowing farmers to complete the insurance purchase process easily through a mobile app with no paper materials or on-site waiting [2] - Key data such as electronic policies, verification images, and electronic signatures are stored on the blockchain in real-time, ensuring data integrity and immutability [2] Group 3: Future Directions - Sunshine Agricultural Insurance plans to continue deepening the application of technology and summarizing experiences to enhance work efficiency and service quality [2] - The company aims to strengthen risk protection for agricultural development through a model that integrates insurance, technology, and services [2]