“In response to the problem of "heavy construction, light management and protection" in high standard farmland, researchers used evolutionary game theory to systematically characterize the dynamic strategic interaction among the "construction subject insurance company farmers". They found that the insurance policy of the construction subject is a key prerequisite for the intervention of the insurance mechanism, and a single policy tool is difficult to achieve collaborative governance. It is necessary to simultaneously meet the incentive compatibility conditions of the three parties. Farmer behavior is the key end variable that determines the performance of the system operation, providing a solution for promoting the full life cycle management and protection system linked by insurance.”