农作物单产风险分布对保险费率厘定的影响 --以新疆3县（市）棉花单产保险为例

以新疆莎车县、沙雅县和阿克苏市棉花单产保险的费率厘定为例,在农作物风险及保险费率厘定理论分析的基础上,通过参数方法和保险精算技术,选择拟合3县(市)棉花单产风险的最优模型,对棉花单产风险4种分布假定下所精算的保险费率与其合理费率进行比较,以分析农作物单产风险分布对保险费率厘定的影响。实证研究结果表明:Logistic分布为拟合3县(市)棉花单产风险的最优分布,3县(市)棉花保险的合理纯费率分别是7.62%、6.32%和4.96%,在正态、正态化和Weibull3种分布假设下厘定的保险费率均存在误差,幅度从低0.2个百分点到高8个百分点。由此说明,单产风险分布模型的选择直接影响到农作物保险费率厘定的准确性,准确厘定农作物保险费率的关键在于正确选择单产风险分布模型。

Influence of flexible crop yield distributions on crop insurance premium rate:A case study on cotton insurance in three counties of Xinjiang Province

This paper derives the mathematical relationship between crop yield distribution and the premium of crop yield insurance based on intuitionisticly the Expected Utility theory and the actuary principle,which reveals the contributions of modeling the crop yield risk appropriately by comparing the pure premiums under four candidate parametric distributions with its accurate premium for the cotton yield insurance in three counties of Xinjiang Province.Empirical results show that the Logistic distribution is the...