Qi Lu Wan Bao·2025-12-03 05:17Core Viewpoint - The introduction of satellite remote sensing technology by China Pacific Property Insurance Co., Ltd. (Taibao Property Insurance) marks a significant shift in agricultural insurance from passive compensation to proactive management, providing comprehensive support for farmers from production to claims [1] Group 1: Risk Reduction through Growth Monitoring - The new model relies on remote sensing satellites for large-scale, periodic scanning to dynamically monitor crop growth, accurately identifying issues such as stunted growth, drought, and nutrient deficiency, and issuing timely warnings [2] - This proactive intervention effectively reduces potential losses, transforming the approach from post-event remediation to pre-event risk mitigation, thereby enhancing the risk response capability in agricultural production [2] Group 2: Accelerated Loss Assessment - Following heavy rainfall, remote sensing satellites and drones quickly scan affected areas, comparing pre-rainfall baseline images with post-rainfall images to automatically identify impacted regions [3] - By deeply analyzing the spectral characteristics of crop leaves, the technology accurately determines loss levels and generates objective, visual loss assessment reports, significantly improving assessment efficiency [3] - The traditional loss assessment cycle has been reduced from several weeks to just a few days, enhancing the timeliness of compensation payments [3] Group 3: Enhanced Agricultural Insurance Services through Technology - The combination of growth monitoring and rapid loss assessment signifies a move towards more precise, efficient, and user-friendly agricultural insurance services [4] - This approach not only reflects the commitment of Taibao Property Insurance but also reconstructs the logic of agricultural risk management through technology, shifting from post-event compensation to pre-event prevention and from manual experience to intelligent decision-making [4] - The implementation of this new model provides farmers with stronger protection and enhances the resilience of agricultural production against risks, representing a tangible innovation that benefits and supports farmers [4]