| 柑橘气象指数保险合同费率厘定分析及设计 |
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| 引用本文： | 娄伟平,吴利红,陈华江,毛裕定.柑橘气象指数保险合同费率厘定分析及设计[J].中国农业科学,2010,43(9):1904-1911. |
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| 作者姓名： | 娄伟平 吴利红 陈华江 毛裕定 |
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| 作者单位： | （南京信息工程大学大气科学学院）; |
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| 基金项目： | 中国气象局新技术推广项目，中国气象局业务建设项目，浙江省气象局重点专项 |
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| 摘 要： | 目的设计柑橘气象指数保险合同,为开展柑橘政策性农业保险提供技术支撑。方法根据柑橘减产率与气象因子的关系,应用极值理论分析导致巨灾结果的气象风险的尾部分布,确定保险费率,综合区域产量指数保险和气象指数保险优点,设计柑橘气象指数保险合同。结果确定了浙江省西部地区各县的纯保险费率和气象灾害赔付金额。淳安、兰溪、金华市区、丽水市区气象灾害纯保险费率为1.8%—3.0%,建德、常山、江山、龙游、衢州市区气象灾害纯保险费率为5.5%—6.6%。结论气象指数保险合同针对政策性农业保险经营需求设计,可以有效解决传统农业保险和国外指数保险存在的问题,设计成气象衍生品进入金融市场。
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| 关 键 词： | 柑橘 农业保险 气象指数 合同 |
| 收稿时间： | 2009-11-02; |
Analysis and Design of Premium Rates Determined for Weather-Based Index Insurance Contract of Citrus |
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| LOU Wei-ping,WU Li-hong,CHEN Hua-jiang,MAO Yu-ding.Analysis and Design of Premium Rates Determined for Weather-Based Index Insurance Contract of Citrus[J].Scientia Agricultura Sinica,2010,43(9):1904-1911. |
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| Authors: | LOU Wei-ping WU Li-hong CHEN Hua-jiang MAO Yu-ding |
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| Institution: | LOU Wei-ping1,2,WU Li-hong3,CHEN Hua-jiang4,MAO Yu-ding3 (1School of Atmospheric Science,Nanjing University of Information Science & Technology,Nanjing 210044,2Meteorology Bureau of Xinchang County,Zhejiang Province,Xinchang 312500,Zhejiang,3Zhejiang Province Climate Center,Hangzhou 310017,4Fruit Station of Xinchang County,Zhejiang) |
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| Abstract: | Objective The objective of the research was to design weather-based index insurance contract for citrus and to provide technology for policy-guided agricultural insurance. Method Based on relationship between citrus yield loss rates and weather factors, the tail distribution of weather disaster risk led to catastrophic results was calculated by extreme value theory and premium rate was counted. Weather-based index insurance contact was designed based on the advantage of area yield crop insurance and weather... |
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| Keywords: | citrus agricultural insurance weather-based index contact |
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