The Research Of The Innovation Of Agricultural Insurance Business Based On Remote Sensing Technology

Chinese farming has a long history, two rivers created a large agricultural country, but in our country due to the geographical differences, natural disasters are more and very serious, post-disaster reconstruction or restoration of agricultural production of farmers, agricultural insurance to address these issues provided financial support However, agricultural insurance is facing higher operating costs and asymmetric information problem. At the time of underwriting, risk assessment, spatial data asymmetry, risk control to information on agricultural insurance can be provided through remote sensing technology to solve. When claims, can use remote sensing technology to carry out an overall assessment of the situation in the disaster, remote sensing, after all, is in the air, therefore, can be very clear understanding of the spatial distribution of the whole disaster, and then affected the size of the image through remote sensing survey of specialized staff to delegate scene photo evidence, not only clarity of purpose and clarity, saving time and human resources, in one aspect only improve the work efficiency but also for companies to save operating costs, remote sensing technology not only provide a strong technical underwriting and claims when Support is in the underwriting process, but also can provide information for farmers growing crops, when there is disaster occurs, timely feedback to farmers or local government can avoid this risk, achieve win-win situation. When claims cannot agree upon, it may also provide evidence through remote sensing technology.Remote sensing technology as a relatively high-tech technology, able to quickly gather information, such as agricultural production and put that information out timely analysis, objectivity relatively strong, not subjective effects, in addition, the use of remote sensing technology to carry out resource investigation, disaster prediction and detection, and timely feedback information, provision of crop yield estimation, environmental protection and other information to support decision-making, but also for higher agricultural production and to provide better quality of service.This paper describes the remote sensing technology in agricultural insurance and how it works, is currently in agricultural insurance underwriting, claims application, and a detailed description of the specific workflow, current remote sensing technology applications in agriculture, remote sensing technology in the future application in agriculture will reach a new height. I do research in their daily work is relatively small, the theoretical level of actual contact is not high, the data and information available to the more limited, more general summary, less in-depth analysis, so this paper in detail in terms of specific processes elaboration.