Research on the Development of Agricultural Insurance by “Internet+” under the Background of Rural Revitalization

在乡村振兴战略的强力驱动下，我国农业正乘着互联网技术的迅猛发展浪潮，迈向一个服务导向型的新格局。当前，面对农业领域频繁出现的风险挑战，我国已迈入大数据和“5G”通信技术时代，这对于身为农业大国的我国而言，既是机遇也是挑战，迫切需要利用数字化信息技术强化农业经济的韧性，以提升风险预测与管理的精确性和效能。风险管控与治理体系的完善，是通往农业现代化征途上必须跨越的关键障碍，而农业保险作为这一体系的中枢，对于护航农业经济安全发挥着不可替代的作用。本研究致力于探讨“互联网+”模式下农业保险加速发展的内在逻辑与潜力，旨在攻克当前我国农业保险市场面临的创新能力匮乏、保障作物类型局限以及参保农户基数较小等瓶颈问题。在此基础上，将深入剖析农业保险与“互联网+”融合过程中遇到的具体挑战，并针对性地提出政策性建议，旨在促进两者更深层次的协同，以科技创新赋能农业保险业，为我国农业的可持续发展构筑更加坚固的风险防御网。Driven by the national strategy of rural revitalization, China’s agriculture is taking advantage of the rapid development of Internet technology to move towards a new service-oriented pattern. Currently, facing frequent risks and challenges in the agricultural sector, China has entered the era of big data and “5G” communication technology. This is both an opportunity and a challenge for China, as a major agricultural country. It is urgent to use digital information technology to strengthen the resilience of the agricultural economy, in order to improve the accuracy and efficiency of risk prediction and management. The improvement of risk control and governance system is a key obstacle that must be overcome on the journey to agricultural modernization, and agricultural insurance, as the center of this system, plays an irreplaceable role in safeguarding agricultural economic security. This research is committed to exploring the internal logic and potential of the accelerated development of agricultural insurance under the “Internet+” model, aiming to overcome the bottleneck problems faced by the current agricultural insurance market in China, such as lack of innovation ability, limited protection of crop types, and small number of insured farmers. On this basis, we will deeply analyze the specific challenges encountered in the integration of agricultural insurance and “Internet+”, and put forward targeted policy recommendations, aiming to promote deeper coordination between the two, empower the agricultural insurance industry with scientific and technological innovation, and build a more solid risk defense network for the sustainable development of China’s agriculture.