【摘要】 我国农业保险保费规模增长迅速,已成为全球最大市场,但仍然存在营销困难、承保理赔不精准等问题,这些问题依靠传统技术手段很难解决。人工智能技术作为新质生产力代表,为农业保险发展带来机遇。它通过基础层数据采集处理、技术层分析挖掘及应用层业务赋能路径,在农业保险智能营销、核保、理赔、风控和增值服务等场景发挥作用,提升运营效率和服务质量。然而,人工智能在农业保险应用中面临数据安全、算法精准度、技术适配性等问题,监管机构也面临数据、技术和业务协同监管的挑战。为此,论文提出加强数据安全管理、优化算法、开发差异化模型、统一技术标准等对策建议,旨在丰富理论研究,为农业保险行业应用人工智能提供决策参考,推动农业保险高质量发展。更多还原

【Abstract】 The premium scale of agricultural insurance in China has grown rapidly, and China has become the largest market of agricultural insurance globally. However, there are problems such as difficulty in marketing and inaccuracies in underwriting and claims settlement, which are hard to solve with traditional technical means. As a representative of new forms of productive forces, artificial intelligence technology brings opportunities for the development of agricultural insurance. It functions in scenarios such as intelligent marketing, underwriting, claims settlement, risk control, and value-added services of agricultural insurance by means of data collection and processing at the basic layer,analysis and mining at the technical layer, and business empowerment at the application layer, improving operational efficiency and service quality. Nevertheless, the application of artificial intelligence in agricultural insurance faces issues like data security, algorithm accuracy, and technical adaptability. Regulatory agencies also face challenges in data management, technology supervision, and business coordination. Therefore, this article puts forward suggestions such as strengthening data security management, optimizing algorithms, developing differential models, and unifying technical standards. The aim is to enrich theoretical research, provide decision-making references for application of artificial intelligence in the agricultural insurance industry, and promote high-quality development of agricultural insurance.更多还原