人保财险溧水支公司农险专员徐冬冬—— "汗"卫"粮袋子"，让农户吃下"定心丸" 徐冬冬（左）和陈景琦操作无人机在稻田间 验标。 南京日报/紫金山新闻记者 戚珂嘉 摄 □ 南京日报/紫金山新闻记者 曹丽珍 "小陈，东西都带好没？" "冬哥，都带上了。" "好，开工！" 7月4日10时30分左右，"冬哥"和"小陈"驱车来到溧水区洪蓝街道上港社区，在南京恒丰生态农业有限公 司的1000多亩水稻田边停下来。一个拿着承保验标现场标识牌，一个带上无人机，两人先后走下车，开 始了当天第二户农户水稻完全成本保险投保收尾工作。 四五米宽、没有遮阳的稻田旁水泥路上，两人一前一后走着，复盘马上要进行的拍照、验标、签约等细 化工作安排。没多久，豆大的汗珠便不断地从两人的额头上滑落，在刺眼的阳光下，像一颗颗晶莹的珍 珠。 "冬哥"大名徐冬冬，是人保财险溧水支公司的一名农险专员。有着12年农险工作经验的他，负责洪蓝街 道11个社区300多位农户的农险投保工作。从今年6月底开始，他和同事们便一直在全力推进水稻完全成 本保险承保验标工作以及水产养殖保险承保工作。每天雷打不动地跑七八家农户，是他目前的工作常 态。 "目前还是实习期，轮流跟着公 ...

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]

"我们这边的苹果普遍在3月中下旬开花，到10月份收获采摘，中间要经历6到7个月的时间。在此过程 中，各种自然灾害和异常天气都可能影响苹果最终的产量和品质。造成风险概率最大的是冰雹，会影响 任一生长关键点；花期遭遇霜冻可能干扰疏花定果；如果膨大期遇上旱情，苹果品质也会受到较大影 响。"在采访某地苹果产业发展情况时，当地农业农村部门的负责人告诉《金融时报》记者。在之后的 实地调研中记者发现，不同苹果种植主体应对自然灾害可能造成风险损失的理念和举措有所不同。在地 方财政的补贴支持下，遭遇灾害相对频繁、通过农险赔付重获生产经营能力的农业主体，多数已培养起 投保政策性种植险的意识；前期投入较大的规模化种植主体更倾向于在信贷资金支持下搭建防雹网，以 物理方式降低冰雹灾害影响；当地中小银行机构也会在灾害发生后阶段性推出增信和续贷服务，支持更 多农户有序恢复生产生活。 拼好农业应灾资源"拼图" 随着金融助力农业减灾防灾的举措越来越丰富，如果只是"加大力度"，那么相应的投入产出效率只会走 低。如何配置好金融体系和非金融领域的农业应灾资源，是下一步要研究和实践的重要课题。 在近几年的采访中，记者发现，基于建设农业强国目标以及极端 ...