Research On Farmers'Satisfaction Of Agricultural Insurance In Hunan Province Supported By 3S Technology

The grain production area in Hunan Province reached 79 million mu,and the per capita net income of agriculture reached 9892 yuan.The double-season rice planting area in Hunan Province has increased for 9 consecutive years.However,Hunan Province is also a province prone to agricultural disasters,which hinders the development of agriculture in Hunan Province.Therefore,Hunan Province introduced 3S technology in June 2014 in order to effectively promote the promotion of agricultural insurance and play the role of agricultural insurance in agricultural production.From the macro data point of view,the agricultural insurance premium income of Hunan Province after the introduction of 3S technology continued to grow,and the amount of claims increased continuously,which provided a solid boost for the agricultural production activities of farmers in Hunan Province,but specifically which aspect of 3S technology caused These changes have not been studied in detail.Therefore,this paper takes farmers as the research object,and through questionnaires,expert interviews and other research methods,compares the customer satisfaction of agricultural insurance in two stages before and after the introduction of 3S technology.To analyze the specific satisfaction of 3S technology,and analyze the data to understand the problems of agricultural insurance in Hunan Province at present,and propose feasible suggestions for promoting the development of agricultural insurance in Hunan Province.The research contents and results of this paper are as follows:Firstly,through the preliminary literature research on agricultural insurance at home and abroad and the research results of customer satisfaction theory,the theoretical framework of this paper is determined.Secondly,based on macro data,this paper reviews the development status of Hunan agricultural insurance supported by 3S technology,analyzes the types of agricultural insurance in Hunan Province and related subsidy policies,and describes the relevant influencing factors of agricultural insurance satisfaction:The service quality of agricultural insurance,the cultural level of farmers,insurance products,claims,and the services of agricultural insurance companies,and the impact of 3S technology integration into agricultural insurance on the relevant aspects of satisfaction,and based on this,the questionnaire was designed.Third,the questionnaire survey is based on the business model of agricultural insurance,the use of agricultural insurance from insured farmers and the use of agricultural insurance claims(insurance area measurement,underwriting aging,underwriting speed and claim amount,claim speed,claims)The process begins to explore the satisfaction of agricultural insurance in Hunan Province.The study found that by comparing agricultural insurance around 2014,the lower satisfaction level of farmers mainly focused on the amount of insurance claims and the price of agricultural insurance products.The higher satisfaction level was the insurance subject in the process of underwriting and claims investigation.Area measurement accuracy and claims speed.Fourth,through the analysis of the results of the questionnaire survey,it is found that the application of 3S technology simplifies the process of underwriting and claims;3S technology improves the area measurement accuracy of the target;3S technology application affects the insurance cost of farmers;3S technology application influence The speed of claims for agricultural insurance.Fifth,relevant policy recommendations were put forward.