农业气象保险电商服务平台构建与运营机制研究——以河北省实践为例

Research on the Construction and Operation Mechanism of Agricultural Meteorological Insurance E-Commerce Service Platform—A Case Study of Hebei Province

摘要: 面对农业气象数保险在产品、数据和理赔上的困境，本研究以河北为案例地，构建一套基于WebGIS架构的包含气象数据集成、风险识别、产品设计、智能承保及自动理赔等模块的农业气象保险电商服务平台。平台以WebGIS三层结构架构搭建，集成气象和遥感多种气象数据，通过微服务、深度学习等实现气象实时监测、灾害预警、风险评价、保险产品设计、赔付理算等功能。通过引入农业生产风险气象评估模型以及保险产品设计模型，电商平台可以精确地找出关键气象因子，而且动态地确定纯费率和赔付阈值，从而做到对多灾种，多作物执行分级赔付。实际应用显示，该平台明显改善了农业保险的承保效率，理赔透明度和服务水平，给农业保险的数字化转型和高质量发展给予了技术支撑和操作途径。

Abstract: Facing the predicaments of agricultural meteorological data insurance in terms of products, data and claims settlement, this study takes Hebei as a case study to construct an e-commerce service platform for agricultural meteorological insurance based on the WebGIS architecture, which includes modules such as meteorological data integration, risk identification, product design, intelligent underwriting and automatic claims settlement. The platform is built on a three-tier WebGIS architecture, integrating various meteorological and remote sensing data. It realizes functions such as real-time meteorological monitoring, disaster early warning, risk assessment, insurance product design, and claim settlement through microservices, deep learning, etc. By introducing agricultural production risk meteorological assessment models and insurance product design models, e-commerce platforms can precisely identify key meteorological factors and dynamically determine pure rates and compensation thresholds, thereby achieving tiered compensation for multiple disasters and crops. Practical applications have shown that this platform has significantly improved the underwriting efficiency, claims transparency and service level of agricultural insurance, providing technical support and operational approaches for the digital transformation and high-quality development of agricultural insurance.