I. Introduction. With the continuous development of science and technology, remote sensing satellite technology is more and more widely used in the field of agricultural insurance. Remote sensing satellites can provide high-resolution, large-area monitoring data of agricultural resources, and provide strong support for the investigation, monitoring and evaluation of agricultural insurance. This technical program aims to improve the efficiency and accuracy of the investigation, monitoring and evaluation of agricultural insurance by using remote sensing satellite technology.
Second, the technical scheme.
Data acquisition. Commercial remote sensing satellites such as Gaojing series satellites are used to obtain remote sensing image data in areas covered by agricultural insurance. Data includes, but is not limited to: panchromatic images, multispectral images, infrared images, etc. Data collection should ensure comprehensive coverage, high resolution, and accurate time nodes.
Data processing and analysis.
The collected remote sensing image data is preprocessed, enhanced, classified and other operations to extract the required information. For example, remote sensing images are used to analyze land use, crop growth, etc. At the same time, combined with geographic information system (GIS) technology, the data is analyzed and visualized in space.
Risk assessment and pricing.
Based on remote sensing satellite data and related analysis results, combined with the specific types of insurance and risk factors of agricultural insurance, a risk assessment model was established. According to the results of the risk assessment, the agricultural insurance rate and claim standard are formulated.
Monitoring and early warning.
Through continuous remote sensing satellite data collection and analysis, the area covered by agricultural insurance is dynamically monitored. Detect potential risk points and anomalies in a timely manner to provide support for early warning and rapid response.
Post-Disaster Assessment & Claims.
After the disaster occurs, remote sensing satellite technology is used to quickly obtain the image data of the affected area. Through the analysis of post-disaster data, the extent and extent of disaster losses are assessed. Reasonable claim settlement is carried out in accordance with the insurance contract and claim settlement standards.
Third, the technical implementation plan.
Establish a data service platform.
Establish a data service platform that integrates data storage, processing, analysis and service. The platform is able to access remote sensing satellite data from different countries, provide data processing and analysis tools, and generate customized agricultural insurance risk assessment reports.
Training and talent development.
Carry out training on remote sensing satellite technology for agricultural insurance practitioners to improve their ability to understand and apply remote sensing data. At the same time, strengthen cooperation with universities and scientific research institutions to train agricultural insurance professionals with remote sensing technology background.
Continuous optimization and updating.
According to the actual application effect and business needs, the risk assessment model and data processing process are continuously optimized. At the same time, we should pay attention to the development of remote sensing satellite technology, update technology and data sources in a timely manner, and maintain the advanced nature of technology.
Fourth, summary and outlook.
This technical solution is a method for using remote sensing satellite technology to improve the efficiency of agricultural insurance investigation, monitoring and evaluation. Through the implementation of data collection, processing and analysis, risk assessment and pricing, monitoring and early warning, and post-disaster assessment and claims, it can provide strong support for agricultural insurance business. In the future, with the continuous development of remote sensing technology, the combination of agricultural insurance and remote sensing satellite technology will be more close, providing more comprehensive and efficient services for agricultural risk management.