CN115187413A - Agricultural insurance underwriting method constructed based on land right confirming information - Google Patents
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- CN115187413A CN115187413A CN202210823812.0A CN202210823812A CN115187413A CN 115187413 A CN115187413 A CN 115187413A CN 202210823812 A CN202210823812 A CN 202210823812A CN 115187413 A CN115187413 A CN 115187413A
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- 238000009313 farming Methods 0.000 claims description 2
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Abstract
An agricultural insurance underwriting method constructed based on land entitlement information relates to an agricultural insurance underwriting method under a land entitlement mode. The invention aims to solve the problems of difficult confirmation of the insurance acceptance position, high labor cost of the underwriting, low manual sampling loss rate, inaccurate confirmation acceptance range, inaccurate acceptance area and the like of the traditional agricultural insurance. The underwriting method comprises the following steps: 1. feeding back the characteristics extracted by the graphic data to an agricultural insurance system server and a land right-determining system; 2. the land right determining system determines right determining information according to the feedback information; 3. docking the agricultural insurance system with the land entitlement system, and inputting entitlement information on a user underwriting list; 4. checking; 5. after the verification is qualified, the insurable entry is completed, and the agricultural insurance system automatically generates an assured individual list of insurable land; the agricultural insurance system assigns values according to the contents in the insurance application list; thus completing the agricultural insurance acceptance.
Description
Technical Field
The invention relates to an agricultural insurance underwriting method under a land entitlement mode.
Background
With the rapid development of agriculture in China in recent years, the problems of difficult confirmation of the traditional agricultural insurance application position, high labor cost, low manual sampling and damage assessment efficiency, inaccurate result and the like become more obvious, the actual planting area, the crop growth situation, the disaster situation and the loss range are objectively judged, and a plurality of pain points and difficulties exist in manual inspection, survey and damage assessment work.
Disclosure of Invention
The invention aims to solve the problems of difficult confirmation of the insurance position of the traditional agricultural insurance, high labor cost of the underwriting, low manual sampling loss rate, inaccurate confirmation of the insurance range, inaccurate insurance area and the like of the traditional agricultural insurance; and provides an agricultural insurance underwriting method constructed based on the land entitlement information.
The method for insuring the agricultural insurance constructed based on the land right-confirming information is characterized by comprising the following steps:
1. the method comprises the steps that a target image interpretation unit calls multi-source multi-temporal satellite image data corresponding to geographic position coordinates according to the geographic position coordinates corresponding to application information of a user based on a remote sensing technology to generate corresponding graphic data, then the graphic data and corresponding data of a government authoritative data interface are overlapped and fused to obtain accurate graphic data, the accurate graphic data are interactively transmitted to a graphic server, the graphic server extracts corresponding features of the accurate graphic data according to-be-extracted items corresponding to the application information of the user, and the extracted features are fed back to an agricultural insurance system server and a land right-confirming system;
2. the land right determining system determines right determining information according to the feedback information;
3. the agricultural insurance system is connected with the land entitlement system in a butt joint mode, and entitlement information is input into a user underwriting list;
4. and (3) effect testing: under the same right-confirming land, the sum of the guaranteed areas cannot exceed the verification rule of the right-confirming areas;
5. the agricultural insurance system automatically generates an insurance land right individual list after the insurance application is qualified after the verification; the agricultural insurance system takes the contents in the insurance list for assignment; then agricultural insurance underwriting is completed;
the right-confirming information comprises a right-confirming person name, a certificate number, a right-confirming code and a 3s block code.
The insurance list comprises insurance crops (the dangerous seed code and the name of the mark), insurance plot weight code, insurance ground number name, variety and insurance ground number area (mu) information.
The land right is confirmation and determination of land ownership, land use right and other rights, which is abbreviated as right determination, and is also the content of determining the ownership of the land, the membership of the use right and other rights in a certain range according to the regulations of laws and policies. The agricultural insurance underwriting method is used for carrying out agricultural insurance underwriting in a mode of combining a remote sensing technology and land right confirming data, realizing accurate underwriting of land, realizing verification of underwriting processes by using factors such as land number information, land right confirming persons, land right confirming areas and the like, and realizing data accuracy of agricultural insurance by using right confirming data; forming a set of brand-new agricultural insurance underwriting mode.
The invention has the following advantages:
1. compared with the traditional agricultural insurance underwriting mode, the method can accurately confirm the insurance application position and objectively judge the actual planting area. The false insurance information can be effectively identified, and the situations of false underwriting, repeated underwriting, erroneous underwriting information, false claim settlement and the like are avoided.
2. Compared with the traditional agricultural insurance underwriting mode, the method greatly simplifies the processes of insurance application and verification, effectively saves the labor cost, improves the working efficiency of underwriting mechanisms, and reduces the cost of agricultural insurance information collection and error making.
3. Compared with the traditional agricultural insurance underwriting mode, the method has the advantages that the insurance application condition is more clearly embodied, the underwriting information is combined with the land right data, and the underwriting condition can be more accurately and visually embodied.
Detailed Description
The technical solutions in the embodiments of the present invention will be described clearly and completely below, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be obtained by a person skilled in the art without inventive efforts based on the embodiments of the present invention, shall fall within the scope of protection of the present invention.
It should be noted that the embodiments and features of the embodiments of the present invention may be combined with each other without conflict.
The first specific implementation way is as follows: the method for constructing the agricultural insurance underwriting based on the land right-confirming information is characterized by comprising the following steps:
1. the method comprises the steps that a target image interpretation unit calls multi-source multi-temporal satellite image data corresponding to geographic position coordinates according to the geographic position coordinates corresponding to application information of a user based on a remote sensing technology to generate corresponding graphic data, then the graphic data and corresponding data of a government authoritative data interface are overlapped and fused to obtain accurate graphic data, the accurate graphic data are interactively transmitted to a graphic server, the graphic server extracts corresponding features of the accurate graphic data according to-be-extracted items corresponding to the application information of the user, and the extracted features are fed back to an agricultural insurance system server and a land right-confirming system;
2. the land right determining system determines right determining information according to the feedback information;
3. docking the agricultural insurance system with the land entitlement system, and inputting entitlement information on a user underwriting list;
4. and (3) effect test: under the same right-confirming land, the sum of the guaranteed areas cannot exceed the verification rule of the right-confirming areas;
5. the agricultural insurance system automatically generates an insurance land right individual list after the insurance application is qualified after the verification; the agricultural insurance system takes the contents in the insurance list for assignment; then agricultural insurance underwriting is completed;
the right-confirming information comprises a right-confirming person name, a certificate number, a right-confirming code and a 3s block code.
The insurance list comprises insurance crops (dangerous seed codes + target names), insurance parcel authorization codes, insurance place number names, varieties and insurance place number area (mu) information.
In the embodiment, the condition that the same insured life and the same area of the same parcel are guaranteed by the same insured life are different because the verification that the same insured life corresponds to the same parcel name and the same guarantee area cannot be imported is cancelled. In the embodiment, the verification rule that the sum of the insurance area cannot exceed the right-confirming area is added, and the verification is carried out on the plots with the same land right-confirming code and including the insurance of a plurality of dangerous seeds, so that the insurance area is not larger than the actual land area.
The second embodiment is as follows: the present embodiment is different from the first embodiment in that: the land right confirming system is constructed based on a rural land right confirming registration and certification database. The rest is the same as the first embodiment.
The land right determining system can be used for adding the contact way between the land right determining person name and the land right determining person in the household list.
The third concrete implementation mode: this embodiment is different from the first or second embodiment in that: the agricultural insurance system adopts an agricultural and insurance integrated system; the land right confirming system adopts a sunshine farming 3S system. The other is the same as in the first or second embodiment.
The fourth concrete implementation mode: the present embodiment is different from one of the first to third embodiments in that: and the land right confirming system confirms the contact telephone of the right confirming person according to the feedback information. The others are the same as in one of the first to third embodiments.
The fifth concrete implementation mode: the present embodiment is different from one of the first to fourth embodiments in that: and step four, the consistency of the land parcel name, the right confirming code and the land right confirming data is also required to be verified in the verification, and the consistency is compared with the land right confirming data in the land parcel library. The rest is the same as one of the first to fourth embodiments.
The sixth specific implementation mode is as follows: the present embodiment is different from one of the first to fifth embodiments in that: and step four, verifying the insurance acceptance input mode except the insurance acceptance list input mode. The other is the same as one of the first to fifth embodiments.
The seventh concrete implementation mode: the present embodiment is different from the first to sixth embodiments in that: the insurance policy bank comprises information of an insurance applicant name, an insurance applicant contact phone, an insurance applicant certificate number, an insurance applicant self-payment premium (element), an insured name, an insured contact phone, an insured certificate number, a total insurance premium (element), an issuer name, a bank account number and an insurance application area (mu). The rest is the same as one of the first to sixth embodiments.
The specific implementation mode is eight: the present embodiment is different from the first to seventh embodiments in that: the insurance list also comprises the source condition of the insurance land; the own cultivated area is the same as the insured and the authorized person, and the source of the insurable land is the area value of the insurable land number; the circulation cultivated land area is different from the right-determining person for the insured, and the source of the insurable land is the area value of the insurable land number. The other is the same as one of the first to seventh embodiments.
The specific implementation method nine: the present embodiment is different from the first to eighth embodiments in that: the land right-confirming information person name is the name of the land right-confirming person; the land right-determining information person contact way is a land borrowing right-determining person contact way. The rest is the same as the first to eighth embodiments.
Claims (9)
1. An agricultural insurance underwriting method constructed based on land entitlement information is characterized by being implemented according to the following steps:
1. the method comprises the steps that a target image interpretation unit retrieves multi-source multi-temporal satellite image data corresponding to a geographic position coordinate according to the geographic position coordinate corresponding to application information of a user based on a remote sensing technology to generate corresponding graphic data, then the graphic data and corresponding data of a government authoritative data interface are superposed and fused to obtain accurate graphic data, the accurate graphic data are interactively transmitted to a graphic server, the graphic server extracts corresponding features of the accurate graphic data according to a project to be extracted corresponding to the application information of the user, and the extracted features are fed back to an agricultural insurance system server and a land right-determining system;
2. the land right determining system determines right determining information according to the feedback information;
3. the agricultural insurance system is connected with the land entitlement system in a butt joint mode, and entitlement information is input into a user underwriting list;
4. and (3) effect testing: under the same right-confirming land, the sum of the guaranteed areas cannot exceed the verification rule of the right-confirming areas;
5. the agricultural insurance system automatically generates an insurance land right individual list after the insurance application is qualified after the verification; the agricultural insurance system takes the contents in the insurance list for assignment; then agricultural insurance underwriting is completed;
the right-confirming information comprises a right-confirming person name, a certificate number, a right-confirming code and a 3s block code.
The insurance list comprises insurance crops, insurance parcel weight codes, insurance place number names, varieties and insurance place number area information.
2. The agricultural insurance underwriting method constructed based on the land right-confirming information as claimed in claim 1, wherein the land right-confirming system is constructed based on a database for confirmation and certification of land right-confirming registration in the construction rural area.
3. The agricultural insurance underwriting method constructed based on the land entitlement information according to claim 1, wherein the agricultural insurance system adopts an agricultural insurance integrated system; the land right confirming system adopts a sunshine farming 3S system.
4. The agricultural insurance underwriting method constructed based on the land entitlement information as claimed in claim 1, wherein the land entitlement system determines the contact number of the authority according to the feedback information.
5. The agricultural insurance underwriting method constructed based on the land entitlement information according to claim 1, wherein the fourth verification further needs to verify the consistency of the land names, the entitlement codes and the land entitlement data, and compare the consistency with the land entitlement data in the land base.
6. The agricultural insurance underwriting method constructed based on the land entitlement information according to claim 1 or 5, wherein the step four validation is carried out in a way that the entering mode of underwriting needs to be verified in addition to the importing mode of underwriting list.
7. The agricultural insurance underwriting method constructed based on the land authority information according to claim 6, wherein the insurance sub-household list comprises the name of the applicant, the contact telephone of the applicant, the certificate number of the applicant, the self-payment premium of the applicant, the name of the insured, the contact telephone of the insured, the certificate number of the insured, the total insurance fee, the name of the bank opening, the bank account number and the insurance area information.
8. The agricultural insurance underwriting method constructed based on the land entitlement information according to claim 6, wherein the insurance application list further comprises the source condition of the insurance application land; the own cultivated area is the same as the insured and the authorized person, and the source of the insurable land is the area value of the insurable land number; the circulation cultivated land area is different from the authorized person for the insured, and the source of the insurable land is the area value of the insurable land number.
9. The agricultural insurance underwriting method constructed based on the land weight determining information as claimed in claim 8, wherein the land weight determining information person name is a land weight determining person name; the land right-determining information person contact way is a land borrowing right-determining person contact way.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210823812.0A CN115187413B (en) | 2022-07-13 | 2022-07-13 | Agricultural insurance underwriting method based on land right information construction |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202210823812.0A CN115187413B (en) | 2022-07-13 | 2022-07-13 | Agricultural insurance underwriting method based on land right information construction |
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| CN115187413A true CN115187413A (en) | 2022-10-14 |
| CN115187413B CN115187413B (en) | 2023-09-05 |
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| CN202210823812.0A Active CN115187413B (en) | 2022-07-13 | 2022-07-13 | Agricultural insurance underwriting method based on land right information construction |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117057936A (en) * | 2023-08-29 | 2023-11-14 | 国任财产保险股份有限公司 | Agricultural insurance underwriting system |
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| CN117057936A (en) * | 2023-08-29 | 2023-11-14 | 国任财产保险股份有限公司 | Agricultural insurance underwriting system |
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