“双碳”战略背景下绿色保险在农业领域的创新研究

Innovative Research on Green Insurance in the Field of Agriculture under the Background of “Dual Carbon” Strategy

摘要: 在“双碳”战略背景下，绿色保险对现代农业可持续发展起着关键的作用，而在农作物生产过程中，如何解决农民资金流转问题和促进绿色化生产方式仍是需要解决的问题。此外，疫情也给受时间、空间局限的农作物产品销售途径敲响了警钟，如何在生产到销售环节提升风险管理能力和服务能力给予农民切实的保障，也给保险行业带来了新的挑战和要求。本文基于绿色保险保障体系，致力于解决农作物生产前缺乏资金、农作物生产中缺少保障、农作物生产后销售受限的问题，创新地提出一条农业融资、农作物生产、农业电商一体化的绿色产业链。

Abstract: In the context of the “dual carbon” strategy, green insurance plays a crucial role in the sustainable development of modern agriculture. However, in the process of crop production, how to solve the problem of farmers’ capital flow and promote green production methods is still a problem that needs to be solved. In addition, the epidemic has also sounded an alarm for the sales channels of crop products that are limited by time and space. How to improve risk management and service capabilities in the production to sales process to provide farmers with practical protection has also brought new challenges and requirements to the insurance industry. This article is based on the green insurance guarantee system, committed to solving the problems of lack of funds before crop production, lack of guarantee during crop production, and limited sales after crop production. It innovatively proposes a green industry chain that integrates agricultural financing, crop production, and agricultural e-commerce.