Yield insurance claiming method based on spatial big data

Abstract

The invention belongs to the technical field of agricultural insurance, and especially relates to a yield insurance claiming method based on spatial big data, which carries out analysis and processingby using spatial big data. The method includes the following steps: (1) creating target data, rising trend monitoring data, remote sensing yield estimation data and meteorological data interfaces ona big data platform; (2) acquiring yield estimation data according to a target, and formulating a data analysis model; (3) inputting the target, rising trend monitoring data and meteorological data tothe analysis model; (4) obtaining yield estimation data according to model data; and (5) making compensation according to the difference between the yield estimation data and the contract yield dataand the standard of compensation grades. The yield data of a target can be evaluated, the compensation standard can be formulated according to the yield data, the risk to the target can be evaluated according to the data statistics in big data, and whether the target is to be insured can be judged. Therefore, the risk to insurance companies is reduced, and profit is increased.

Description

technical field [0001] The invention belongs to the technical field of agricultural insurance, and in particular relates to a yield insurance claim settlement method using spatial big data for analysis and processing using spatial big data. Background technique [0002] Yield Insurance Crop Yield Insurance is a kind of property insurance that takes the output loss of farmers’ crops as the subject of insurance, that is, the insured object, and takes the actual output of crops lower than the predetermined output in the contract as the insured event, that is, a condition for the payment of insurance money. How to measure the yield of agricultural crops is the key. The traditional yield measurement technology mainly compares the yield of adjacent plots or previous years. And that data is often inaccurate. Therefore, there is no sufficient basis for formulating compensation standards, and problems such as low compensation standards occur. For insurance companies, there are relat...

AI Technical Summary

Problems solved by technology

[0003] The purpose of the present invention is to solve the inaccurate data obtained by the traditional production measurement technology existing in the production insurance claim settlement process in agricultural insurance, the lack of sufficient basis for formulating the compensation standard, the compensation standard is too low, and the insurance company has a relatively large risk. problem, but by using the spatial information of the general target and the thematic map of output distribution for spatial superposition, the output data of the target can be obtained visually, and combined with the target contract predetermined output compensation standard, the damaged area and damage degree of the target can be quickly obtained, so that A production insurance claim settlement method using spatial big data to achieve rapid claim settlement