Research On The Development Of "Internet+" Agricultural Insurance In China

Since the premier Li Keqiang’s government work report in 2015 for the first time put forward the concept of "Internet +","Internet +" management mode in our country has been developing rapidly,which not only with the rapid development of information technology and Internet technology in our country,also with the national policy guidance in the "top-level design" is associated with the guide of national strategic deployment,the Internet is changing business model from all walks of life.By the end of 2017,China had 772 million Internet users,and the Internet penetration rate reached 55.8 percent.The rise and rapid development of the "Internet +" business model has officially ushered in the era of Internet dividends in China.As the foundation of national economy,agriculture plays an important supporting role for the development of the second and third industries.The no.1 document of the central government in 2017 pointed out that the core idea of deepening the supply-side structural reform of agriculture is to change the development mode of agriculture,adjust the structure of agricultural industry,deepen the reform and constantly innovate the new supply mode of agriculture.The no.1 central government document,issued for 12 consecutive years from2007 to 2018,highlighted issues related to agriculture,rural areas and farmers.In his report to the 19 th national congress of the communist party of China(CPC),general secretary xi jinping also stressed that "issues related to agriculture,rural areas and farmers" are fundamental issues related to the national economy and people’s livelihood,and we must always make solving these issues a top priority in the work of the whole party.This shows,agricultural problem is a of our country economy and social development major problem.With the exploration and rise of "Internet +" economic model in all walks of life,it is more and more urgent to actively explore and promote the application of "Internet +" in agriculture and promote the development of agriculture.Agricultural insurance is a tool for avoiding agricultural production risks,and its development is becoming more and more important.Quasi-public goods,however,due to the agricultural insurance is insurance subject to the particularity of cultural level is generally low,makes the "Internet + agricultural insurance" in the process of its development exist profits,related technology,and the application of difficultproblem difficult to solve,therefore,relative to the "Internet +" life insurance,health insurance "Internet +" as well as some scenes and fragmentation of the Internet coverage,"Internet + agricultural insurance development is relatively slow.At present,China’s research on "Internet + agricultural insurance" is still in its initial stage,lacking innovative development and operation mode,successful experience and failure lessons,etc.,and it is in the stage of crossing the river by feeling the stones.At the same time,there are few relevant literatures on "Internet + agricultural insurance".This paper aims to study China’s "Internet + agricultural insurance" companies and websites,and take "one meter information" as an example to analyze the business model and innovation,so as to provide some theoretical basis for the development of China’s "Internet + agricultural insurance".This paper mainly takes meter information as the entry point,and studies the development status of "Internet + agricultural insurance" in China by analyzing the operation and development of meter information.The first part of this paper mainly introduces the writing background/writing significance of the article,and explains the related concepts and theoretical basis involved in the article.The second part mainly introduces the development status of China’s "Internet + agricultural insurance",the problems in the development and the reasons for the problems.The third part mainly analyzes the one-meter information and puts forward relevant Suggestions for the development of "Internet + agricultural insurance" in China based on the advantages of one-meter information development.Based on the development of the current state of the "Internet + agricultural insurance"are analyzed,summarized the following question: is planted single structure,less a guest channels,underwriting HePei technology needs to improve,imperfect relevant laws and regulations and the lack of talents,and carried on the thorough analysis of the reason,at the same time,on the basis of fully considering the insurance in our country the development of science and technology,put forward the Suggestions for the development of "Internet +agricultural insurance.First of all,through the application of big data and blockchain technology,enrich insurance coverage from the perspective of agricultural products themselves and agricultural production industry chain.Second,from the maintenance of existing customers and the development of new customers to further expand the customerchannels;Third,pay attention to the use of big data,cloud computing,AI artificial intelligence and Internet of things technology and other means to constantly improve the work process in the underwriting and claim process;Fourth,according to the existing problems to constantly improve China’s relevant laws and regulations;Finally,through the tripartite cooperation between the government,enterprises and universities,we will cultivate inter-disciplinary talents that adapt to the economic development model of "Internet +agricultural insurance".