快速理赔是政策性森林保险健康快速发展的关键因素。介绍了森林灾害不确定性导致承保及投保两方面的不利影响,指出了快速、准确理赔对政策性森林保险发展的作用,分析了典型森林灾害遥感监测与评估的原理及主要技术手段,以内蒙古自治区东部主要林区为例开展了基于多源卫星遥感数据的森林灾害监测与评估。对卫星遥感技术在政策性森林保险快速理赔中的潜力、问题与前景进行了总结。
Rapid settlement is a key factor for the healthy development of policy-based forest insurance in China.The paper introduces the uncertainties of the forest damage and its adverse effects on the insurer and insurant,points out the positive role of rapid,accurate settlement strategy in policy-based forest insurance,analyzes the major principle and means of forest damage monitoring and assessment by using satellite remote sensing and carries out the pilot application in east Inner Mongolia.Finally,the potentials,problems and perspectives of the satellite remote sensing application in the rapid settlement of policy-based forest insurance are summarized.
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