从“灾后赔”到“灾前防”：中华财险河北分公司探索农业风险减量服务新路径

Core Viewpoint - The company is transitioning agricultural insurance from a traditional "post-disaster compensation" model to a focus on "pre-disaster prevention and intervention" risk reduction model, aiming to ensure national food security and stabilize farmers' income through innovative strategies and technology integration [1]. Group 1: Technology Integration - The company has developed a comprehensive risk reduction service system by integrating cutting-edge technologies such as remote sensing, IoT, and big data, creating a three-dimensional monitoring network that includes satellite, drone, and ground sensors [2]. - A data-sharing and early warning mechanism has been established with meteorological and agricultural departments, allowing for precise alerts on extreme weather and pest issues, thereby minimizing potential losses [2]. - The introduction of a "smart agricultural insurance client" has streamlined the data chain for underwriting and claims, significantly reducing the damage assessment process from an average of 7 days to under 48 hours, with a 95% accuracy rate [2]. Group 2: Innovative Models - The company is exploring a "dual precision" model for underwriting and claims, utilizing a "six-map operation method" to manage various agricultural data, ensuring accurate connections between people, land, and risks [4]. - In pilot areas, over 51,000 acres of farmland have been assessed, and 21,800 acres of corn insurance have been underwritten, providing risk coverage for 3,803 farmers [4]. Group 3: Cross-Industry Collaboration - The company is expanding its service boundaries by building a multi-dimensional risk reduction ecosystem, collaborating with institutions like Hebei Agricultural University to enhance product development and disaster assessment [6]. - The company supports local weather modification efforts to reduce disaster losses by 30%-50%, shifting the focus from compensation to disaster prevention [6]. Group 4: Risk Management and Operational Standards - The company emphasizes the importance of standardized operational management by establishing underwriting and claims standards, optimizing processes, and implementing a new generation agricultural insurance system for risk identification [9]. - The introduction of a "dual recording" system for key processes ensures transparency and reduces disputes, enhancing service quality and customer experience [9]. - The company's practices reflect its commitment to integrating into the national disaster prevention and reduction system, contributing to food security and rural revitalization efforts [9].