互联网助推国元农业保险公司供给侧改革创新研究

发布时间：2018-06-21 18:34

本文选题：互联网+ + 农业保险　；参考：《安徽财经大学》2017年硕士论文

【摘要】：“互联网+”是以网络为基础促进生产资源优化配置,充分实现各产业领域相互融合的新型经济形态。农业具有天然的弱质性,农业保险通过搭乘互联网便车在提升农村地区金融服质量,加快农业供给侧改革起到推动作用。2007年以来,中央1号文件连续11次提及农业保险的发展问题,强调农业保险对农业发展的促动与支撑作用。而当下,农业保险也实际表现出供给短板明显,产品类型单一、销售模式陈旧、服务体系不健全等一系列发展的瓶颈性问题,在农业供给侧结构性改革的背景下,农业保险迫切需要升级与再发展。《中共中央国务院关于深入推进农业供给侧结构性改革加快培育农业农村发展新动能的若干意见》的出台为农业保险的发展指明了方向,即农业保险通过搭乘互联网便车,优化资源配置,可以更大程度的满足市场需求。具体地,文章首先概述了研究背景和意义,并通过分析国内外研究现状得出农业保险依托互联网+创新保险产品、营销模式的必要性和可行性。其次,在前人对互联网应用、农业保险经营模式和供给侧改革领域理论分析的基础上,系统的农业保险发展历程进行梳理。认为,在信息革命时代,农业保险的发展只有依托大数据,运用互联网+从供给层领域变革才能实现可持续发展。文章重点通过构建“互联网+”农业保险应用平台,分析论证农业保险联网的可行性,以及互联网在产品开发、定损理赔和营销模式等方面的应用与创新。最后通过以国元农业保险公司为案例研究对象,以大数据模拟玉米价格指数保险在定价和在期货市场中价格动态结算模式;运用无人机搭载数字单反结合3S技术、云计算实现查勘-定损-理赔一体化,减少信息不对称,最大程度实现农业风险转移。最后提出政策化建议,要完善互联网对农业保险的政策支持,加快信息产业建设,拓宽基层网点,创新农业保险营运模式,加强人才队伍建设充分利用互联网技术在供给侧领域创新农业保险产品类型、精准保险定损理赔、优化服务模式。
[Abstract]:"Internet" is a new economic form based on network to promote the optimal allocation of production resources and fully realize the integration of various industrial fields. Agriculture is naturally weak, and agricultural insurance has played a role in promoting the quality of financial services in rural areas and accelerating agricultural supply-side reforms by hitchhiking on the Internet. The first document of the Central Committee mentioned the development of agricultural insurance for 11 times, emphasizing the role of agricultural insurance in promoting and supporting agricultural development. At present, agricultural insurance also shows a series of bottleneck problems in the development of agricultural insurance, such as obvious supply board, single product type, old sales model, imperfect service system, etc. Under the background of agricultural supply-side structural reform, There is an urgent need for upgrading and re-development of agricultural insurance. The introduction of the opinions of the CPC Central Committee and the State Council on deepening the structural reform on the supply side of agriculture and speeding up the cultivation of new momentum for the development of agricultural rural areas has pointed out the direction for the development of agricultural insurance. That is, agricultural insurance can meet the market demand to a greater extent by hitchhiking on the Internet and optimizing the allocation of resources. Specifically, the paper first outlines the research background and significance, and through the analysis of domestic and foreign research status quo, agricultural insurance relying on the Internet to innovate insurance products, the necessity and feasibility of marketing model. Secondly, on the basis of theoretical analysis of Internet application, agricultural insurance management model and supply-side reform, the development course of agricultural insurance system is combed. In the era of information revolution, the sustainable development of agricultural insurance can only be realized by big data and Internet from the supply level. This paper focuses on the construction of "Internet" agricultural insurance application platform, analyzes and demonstrates the feasibility of agricultural insurance networking, as well as the application and innovation of Internet in product development, loss settlement and marketing model. Finally, taking Guoyuan Agricultural Insurance Company as the case study object, using big data to simulate the price dynamic settlement model of corn price index insurance in pricing and futures market, using UAV carrying digital SLR combined with 3S technology, Cloud computing realizes the integration of survey, damage and claim, reduces information asymmetry, and realizes agricultural risk transfer to the maximum extent. Finally, some suggestions are put forward to improve the policy support of the Internet to agricultural insurance, to accelerate the construction of information industry, to broaden the grass-roots network, and to innovate the operation mode of agricultural insurance. Strengthen the construction of talent team and make full use of Internet technology to innovate the types of agricultural insurance products in the supply-side field, to determine the damage and claim of precision insurance, and to optimize the service mode.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.66;F724.6

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