Recently, a joint acceptance team composed of the Liaoning Regulatory Bureau of the Financial Regulatory Administration, the Jinzhou Financial Regulatory Sub-bureau, and provincial and municipal insurance industry associations conducted an on-site review of the agricultural insurance land basic information collection project of China Pacific Insurance Jinzhou Branch. After comprehensive verification, the project successfully passed the acceptance. The construction of the agricultural insurance land basic information database is a fundamental task to implement the requirements of "precise underwriting and precise claims." This means that the 31,000 plots of farmland in the pilot area now have their own "digital ID cards."

From "Confused Accounts" to "Digital Ledger"

In December 2025, the Financial Regulatory Administration issued the "National Agricultural Insurance Land Basic Information Database Construction Pilot Work Plan," officially launching the construction of the national agricultural insurance land information database. As the coverage of agricultural insurance continues to expand, the demand for precise management of underwriting and claims has become increasingly prominent. Under the guidance of the Jinzhou Financial Regulatory Sub-bureau, China Pacific Insurance Jinzhou Branch actively undertook the pilot task, becoming the only pilot institution for agricultural insurance land information database construction in Jinzhou City, fully responsible for the collection of land information for farmers in 10 pilot villages in Futun Street. Through this pilot, the company attempts to deeply bind land information with the underwriting and claims process, laying the foundation for subsequent precise services.

Using Satellites as Pens, Data as Ink

In the past, unclear land ownership, ambiguous boundaries, and chaotic insurance base numbers have long restricted the precise development of agricultural insurance. In this pilot, China Pacific Insurance Jinzhou Branch, supported by satellite remote sensing and geographic information technology, strictly follows the unified data standards of the national agricultural insurance land information database to "draw boundaries and mark ownership" for the plots in the pilot area, constructing an integrated basic map covering planting, breeding, and forestry. A total of 22,000 plots of planting insurance have been confirmed, covering an area of 42,000 acres, with a confirmation rate of 89.9%; the total area collected for forestry, agriculture, and animal husbandry has exceeded 10 million acres, providing detailed data support for regional agricultural production. Each plot has established its own digital file, achieving "one plot, one code, clear ownership, and traceable data," allowing farmers to have a clear understanding and reference during insurance and claims processes.

Three-party Confirmation Ensures Data is Traceable

To ensure the authenticity, accuracy, and usability of the data, the pilot adopts the principle of "three-party confirmation." Information collection is based on the farmers' ownership certificates, with key plots being drawn, verified, and documented one by one. A "one map, one table" public disclosure system is implemented, requiring the basic land information to be jointly confirmed by farmers, village committees, and insurance companies. After farmers sign, the village committee publicizes and stamps it, and then the insurance company conducts on-site acceptance, forming a complete and precise ownership confirmation chain. For farmers who are unable to attend due to busy farming seasons or special difficulties, branch staff provide home explanations and flexible processing to ensure that no household or plot is missed in the information collection. This meticulous and warm approach not only guarantees the right to know and supervise for the pilot community but also provides a foundation for subsequent precise insurance services National Quality Inspection, Data Entry

After the completion of data collection and confirmation, the joint acceptance team conducted on-site verification of the pilot results according to the relevant standards for the construction of the national agricultural insurance plot information database. Focusing on key indicators such as the coverage of information collection, plot ownership definition, and the standardization of process materials, the acceptance team conducted key sampling of 6 households in 2 administrative villages through interviews, certificate verification, and "one map one table" public review. Upon verification, the core indicators involving 25,000 plots (59,000 acres) for crop insurance, 45 plots (146.4 acres) for livestock insurance, and 6,000 plots (96,000 acres) for forestry insurance passed the item-by-item verification of the national agricultural insurance data quality inspection system, and all plot information has been successfully linked to the corresponding insurance policies. The verification results indicate that the data quality is qualified and meets the entry standards. This means that the plot information in the pilot area has been incorporated into the national agricultural insurance plot basic information database, providing a reliable digital foundation to address long-standing issues in the agricultural insurance industry, such as unclear underwriting bases and disputes over claims assessment.

Data Foundation, Farmers' Peace of Mind

The construction of the agricultural insurance plot basic information database is a key step in promoting the transition of agricultural insurance from "extensive development" to "high-quality development," and from "manual management" to "digital governance." It is also an important measure to ensure that fiscal subsidy funds are accurately allocated and to effectively safeguard national food security. With the continuous improvement of the information database, Zhonghua Property Insurance Jinzhou Branch will rely on this data foundation to promote the deep integration of digital technology and agricultural insurance business, ensuring that precise underwriting and claims settlement are based on reliable data. This will also expand broader space for full-chain services such as risk reduction and disaster early warning, allowing each piece of farmland to have a "digital ID card," ultimately transforming into a source of peace of mind for farmers.

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