遥感在种植业保险估损中的应用

发布时间：2018-04-19 08:38

  本文选题：种植业保险 + 遥感　； 参考：《遥感技术与应用》2017年02期

【摘要】：农业保险是近年来国家为保障农户利益而颁布的一项政策,在一定程度上增强了农民收入的稳定性,特别是在农业灾害频发的地区,减轻了灾害带来的经济损失。内蒙古地区属于干旱与半干旱区域,降水量偏少,常年遭受旱灾,为国家首批农业保险试点。遥感作为一门新兴空间技术,可以根据作物光谱特征实时监测作物生长状况,可用于保险理赔中损失程度的科学客观评估,减少理赔纠纷。以内蒙古旱灾较严重的库伦旗为例,基于农作物分类与种植面积提取、干旱等级评估、作物长势监测及作物单产与产量评估4个方面综合评估开展2015年种植业方面的农业灾害损失评估,为内蒙古农业保险理赔提供了空间数据支撑与科学的理论依据。实地采样点的数据验证显示,损失程度综合遥感评估结果与实际的损失程度较为一致,可以在更大范围内进行推广。
[Abstract]:Agricultural insurance is a policy issued by the government in recent years to protect the interests of farmers. To a certain extent, it enhances the stability of farmers' income, especially in areas where agricultural disasters occur frequently, and reduces the economic losses caused by disasters.Inner Mongolia is a arid and semi-arid region with less precipitation and drought all the year round. It is the first agricultural insurance pilot in China.Remote sensing, as a new space technology, can monitor crop growth in real time according to crop spectral characteristics. It can be used to evaluate the loss degree in insurance claims and to reduce claims disputes.Taking Kulun Banner with severe drought in Inner Mongolia as an example, based on crop classification and acreage extraction, drought grade evaluation,The comprehensive assessment of crop growth monitoring and crop yield and yield assessment in 2015 provides spatial data support and scientific theoretical basis for agricultural insurance claims settlement in Inner Mongolia.The data verification of field sampling points shows that the result of comprehensive remote sensing assessment of loss degree is consistent with the actual loss degree and can be popularized in a wider range.
【作者单位】： 中国科学院遥感与数字地球研究所数字地球重点实验室;中国人民财产保险内蒙古自治区分公司;中国地质大学(北京);
【基金】：企业委托项目“森林保险与种植业保险防灾体系平台卫星遥感项目”、“气象干旱灾害农作物产量评估” 国家863计划项目“典型应用领域全球定量遥感产品生产体系”(2013AA12A302) 国家自然科学基金项目“基于HJ-1数据的作物成熟期遥感预测方法研究”(41171331)
【分类号】：TP79
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本文编号：1772371