我国经济作物收入保险定价研究——以阿克苏棉花为例

发布时间：2018-02-13 10:20

本文关键词： 保险研究收入保险保险定价经济作物阿克苏棉花　出处：《金融理论与实践》2017年01期 　论文类型：期刊论文

【摘要】：农业收入保险能够同时分散农户生产过程中面临的自然风险和市场风险,稳定农户预期收入,对推进我国农业现代化建设,实现全面小康社会建设的宏伟目标都具有重要意义。基于此,以阿克苏棉花为例,综合考虑产量和价格双重风险,运用Copula模型对我国经济作物收入保险进行定价。结果表明:阿克苏市棉花单产和价格之间存在弱的负相关性(-0.0491),Frank Copula函数为其最优联合分布函数;在100%的保障水平下,收入保险的费率(纯费率4.92%,毛费率7.1%)与产量保险费率(7.0%—7.4%)大致相当。最后进行了归纳和阐释,并对开展经济作物收入保险的深入研究提供了参考方向。
[Abstract]:Agricultural income insurance can simultaneously disperse the natural risks and market risks faced by farmers in the process of production, stabilize the expected income of farmers, and contribute to the modernization of our country's agriculture. It is of great significance to realize the grand goal of building a well-off society in an all-round way. Based on this, taking Aksu cotton as an example, the dual risks of production and price are considered synthetically. The Copula model is used to price the cash crop income insurance in China. The results show that there is a weak negative correlation between cotton yield and price in Aksu City. The Copula function is the optimal joint distribution function. The rate of income insurance (net rate 4.92%, gross rate 7.1%) is about the same as that of yield insurance rate 7.0- 7.4. finally, it is summarized and explained, and the reference direction is provided for the further research on the income insurance of cash crops.
【作者单位】：河南大学环境与规划学院;河南省社会科学院;
【分类号】：F840.66

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