低空经济在农业保险定损中的应用与标准化探索

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中图分类号：F562；F842.66 文献标志码：A 文章编号：1007-8576(2025)05-0041-09

DOI:10.16716/j.cnki.65-1030/f.2025.05.004

Application and Standardization Exploration ofLow-Altitude Economy in Agricultural InsuranceLoss Assessment

ZENGFanlei (TangshanMunicipal PartySchool, Tangshan O633OO,China)

Abstract:Withtheexpansionofagricultural insurancecoverage,thedrawbacksof traditionalmanualloss assessmentmethods inagriculturalisuranceavebecoeincreasinglyapparent.Inthisotext,thelowaltitudeeconoy,everagingitsdvantag esof standardizationandeficiencyinlossassessmentoperations,provides strongsupportforthehigh-qualitydevelopmentof agriculturalinsurance andtheprocessofagriculturalmoderization.This papersystematicallyreviesandanalyzes thecurent standardsrelatedtothelow-altitudeeconomyandagricultural insurance lossassessment,andcomprehensivelyexplores the technicaladaptationpathwaysandapplicationstrategiesofthelow-altitudeeconomyinthisfield,usingcasessuchasfloodin YunanandsnowdisastersinNanjing.Traditionalmanuallossassssmentmethodsinagricultural insurancesufferfromissues suchasloweficiency,pooraccuracy,andhighcosts.Although thelow-altitudeeconomycanefectivelyalleviatetheseproblems,itstillfacspacicalhallengsinapla,ingedroeuane,untataprocssgbili ties,cumbersomeairspaceapplicationprocedures,andpoorindustrialintegration.Accordingly,astandardizedsystemforagiculturalinsurancelossaessmentcenteredon“technologyoperational processes-data-security’shouldbeestablished,with eforts focusedonstrengthening technologicalinovation,optimizingpolicyregulation,andpromoting industrialcolabration. This willsystematically enhancethemodernizationlevelandservice eficiencyof agricultural insurancelossasessment. Key Words:low-altitude economy;agricultural insuranceloss assessment;agricultural modernization;standardization

2025年2月发布的中央一号文件明确提出,要健全多层次农业保险体系，支持发展特色农产品保险。（剩余13573字）