Research On The Application Status And Problem In Using Information Technology On Agricultural Insurance

Agricultural insurance can effectively prevent risks existing in agriculturalproduction, the effective solution to the disaster losses, in the process of agriculturalproduction and create a good environment for agricultural production, is an innovationof system and policy arrangements, but also to change the fiscal funds, an importantmeans to improve the financial macro-control measures, the Hui Nong way.Agricultural insurance can make the insured farmers receive economic compensationfrom within the scope of insurance liability after natural disasters, can be dispersed byshifting risk and, by way of insurance compensation paid to protecting the life offarmers and agricultural production stability; help to ensure sustainable and stabledevelopment of agricultural production, the large uncertain agricultural the risk of loss,into small fixed agricultural insurance premium payment; agricultural insurance indirectly promote the healthy and stable development of agricultural production andoperation activities at the same time, but also ensure that the coordinated developmentof the national economy especially the steady development of agricultural economy. Atthe same time, the agricultural insurance involved is the agricultural production tonormal, balance of supply and demand of agricultural products, stable level of daily life,and affect the normal life of the people of all social strata.As the scale of the agricultural insurance market continues to expand its coveragearea, the number of insured farmers and insurance products is increasing. Technicalcontent of agricultural insurance operation and management mode of export-orientedextensive is not high, the survey on the basis of sex and scientific sex is not strong,service ability and service level needs to be improved and other problems will bedamaged. Specific performance in the key link of agricultural insurance is still the qualitative methods rely on traditional experience in work, the lack of quantitative dataanalysis, underwriting, claims and claims difficult cause. How to solve the historicalproblem, the agricultural information technology has become a natural way to explore.Database,"3S" system, unmanned aerial vehicles and other information technology inthe agricultural insurance business in the process of trying, which can effectively solvethe main problems in the course of business, has injected a dose of "boosting needle forthe development of agricultural insurance". This paper will combine the current". Thispaper will combine the current situation of the development of agricultural insurance,agricultural insurance market in-depth analysis of the present stage of agriculturalinformation technology, analyzes the various problems in the application process, so asto further explore the application prospect of information technology on agriculturalinsurance.This paper mainly study areas for our "family" type of agricultural productionprovince of Sichuan Province, on behalf of the main object of study in SichuanProvince, has set up the agricultural insurance business insurance companies in theagricultural insurance business process on the use of information technology as themain basis. Based on the full analysis of reference and reference, to me provinceagriculture insurance business has been exploring the application of "3S" integrationtechnology, database system, the UAV system information technology representativecase for application result analysis, the research was carried out by using SWOTanalysis method to the information technology application status of agriculturalinsurance. A comprehensive analysis of the existing information technology acceptancewill put into use after the agricultural insurance organizations and Farmers InsuranceBusiness and the process of problems and solutions, a thorough study on theagricultural insurance business process the information technology influence degreeand the existent problems of the shadow from the application level. Finally put forwardrelevant comments and suggestions to speed up the construction of agriculturalinformation, agricultural information sharing and differences of agriculturalinformation technology and to speed up the construction of agricultural informationconstruction, information technology can better adapt to the agricultural insuranceoperation put forward rationalization proposals.