■本报记者 田耿文 近日，全国首个高密度农业生态气象减灾网络体系，即"保防救赔"一体化新型农业保险服务体系在广西 崇左落地。 崇左是我国糖料甘蔗的主产区，甘蔗是当地经济的支柱产业。然而，甘蔗的生产过程极易受到极端天气 事件的冲击，给蔗农带来巨大经济损失。此次建成的"保防救赔"一体化新型农业保险服务体系，正是针 对这一痛点提出的创新解决方案。该项目通过引入航天科技及先进气象服务技术，全面提升农业风险减 量管理能力。 科技赋能 全流程风险管理 服务效能不断提升 在崇左建成的"保防救赔"一体化农业保险服务体系中，人保财险农业气象减灾网络体系可实现对农业气 象环境、作物生长状况、灾害发生过程的实时精准监测和数据采集，为农业保险提供从承保前的风险识 别与定价，到灾中的预警与防灾减损，再到灾后的精准定损与快速理赔的全流程科技支撑。 在业内人士看来，这一创新模式突破了传统保险事后补偿的局限性，将保险服务前置化、全程化、精准 化，通过"科技+保险+服务"的深度融合，真正实现从"被动赔付"向"主动风险管理"转变，让农业保险成 为保障国家食糖安全、稳定农民收入的坚实屏障。 "有了这样的保险，我们种植甘蔗就有了底气，心里更踏实了。 ...

Core Insights - The company is committed to leveraging insurance services to support the high-quality development of Shenzhen, aligning with national strategies and local economic goals [1][4][6] Group 1: Innovation in Insurance Products - The company launched four innovative weather-related insurance products, including "Low Altitude Weather Insurance" and "Infrastructure Weather Insurance," to address meteorological risks in emerging industries [2][3] - The company introduced the first "Calculation Chain Insurance" in the country, providing risk coverage for a well-known data enterprise, enhancing competitiveness in the digital economy [2] - In the smart automotive sector, the company is collaborating with academic institutions to develop insurance solutions for new energy vehicles and intelligent driving technologies [3] Group 2: Comprehensive Risk Management Solutions - The company has developed a comprehensive insurance system covering the entire innovation chain, including a trial insurance product for a pharmaceutical company, providing over one million yuan in risk coverage [4] - The company has initiated a data intellectual property insurance product to protect against infringement losses, supporting enterprises in global competition [4] - A new data asset insurance product was launched to assist a smart elderly care technology company in realizing the value of its data assets [5] Group 3: Green Finance and Social Governance - The company has received multiple awards for its contributions to green finance and continues to innovate in the renewable energy sector, focusing on risk management for energy storage and offshore wind power [6] - The company has implemented a governance model for small construction projects, providing over 120 billion yuan in risk coverage to enhance social safety levels [7] - The company is actively participating in cross-border financial innovation and technology finance development, aiming to contribute to the high-quality development of the region [7]