贵州省辣椒渍涝气象指数保险研究及应用

为促进贵州辣椒渍涝灾害气象指数保险业务的开展,降低农户受渍涝导致的经济损失风险,根据笔者制定出的渍涝等级标准处理贵州省84个国家气象站30年间降水量数据,得出各站点各级渍涝灾害频率,以及各站点的纯保险费率。利用克里金差值绘制出各级渍涝灾害频率分布图以及纯保险费率分布图,可以明显看出受渍涝灾害影响较大的辣椒种植地区主要集中于西南部以及南部部分区域;受渍涝灾害影响较小的辣椒种植地区主要在贵州西部、北部以及东部部分区域。纯保险费率较高的地区主要在贵州西南部以及东南部分地区,当免赔额不同时纯保险费率会有较大差距。辣椒渍涝气象指数保险在贵州有着较好的发展前景,不仅可以降低农户受渍涝灾害损失的风险,还能促进贵州辣椒产业持续稳定增长。

Study on the Pure Insurance Premium Rate of Pepper Waterlogging Disaster in Guizhou Province

To promote the development of Guizhou pepper waterlogging disaster meteorological index insurance business and reduce the risk of economic losses caused by waterlogging, according to the waterlogging grade standard developed in this paper, the precipitation data of 84 national meteorological stations in Guizhou Province of 30 years were processed, and the frequency of waterlogging disasters at all levels at each station and the pure insurance rate of each station were obtained. Using the Kriging difference to draw the frequency distribution map of waterlogging disasters at all levels and the distribution map of pure insurance premium rate, it can be clearly seen that the pepper planting areas greatly affected by waterlogging disasters are mainly concentrated in the southwest and parts of the south of Guizhou. The pepper-growing areas less affected by waterlogging are mainly in the west, north and eastern parts of Guizhou. The regions with higher pure insurance rate are mainly in the southwest and southeastern parts of Guizhou. When the deductibles are different, the pure insurance rate will have a big gap. Pepper waterlogging weather index insurance has a good development prospect in Guizhou, it can not only reduce the risk of farmers’ losses due to waterlogging, but also promote the continuous and stable growth of Guizhou’s pepper industry.