杨梅降水气象指数保险产品设计——以慈溪市为例
发布时间：2018-09-01 13:08
【摘要】：选取杨梅采摘期易对产量造成影响的降水因子作为保险设计的气象致害指标,定义连续降水影响日数作为杨梅降水指数;经杨梅产量分离和去趋势化处理,分析1995—2015年产量损失率和降水指数的关系,建立杨梅产量灾损模型;利用长序列历史降水资料,选用韦伯分布模型计算不同等级降水指数的风险概率,设计不同赔付触发条件下的保险纯费率和杨梅降水气象指数保险产品,为杨梅农业保险可持续发展提供技术支撑。该指数保险产品具有可操作性,可为宁波地区杨梅降水保险业务提供参考,以便在降水灾害发生后客观、便捷地开展保险理赔工作。
[Abstract]:The precipitation factors, which are easy to affect the yield of Myrica rubra in picking period, are selected as the meteorological damage index of the insurance design, and the continuous precipitation influence days are defined as the precipitation index of Myrica rubra, and the yield of Myrica rubra is separated and detrended. This paper analyzes the relationship between yield loss rate and precipitation index in 1995-2015, establishes the model of yield disaster loss of Myrica rubra, calculates the risk probability of different grade precipitation index by using the long series historical precipitation data and the Weber distribution model. In order to provide technical support for the sustainable development of agricultural insurance of Myrica rubra, the insurance products of pure rate and precipitation meteorological index under different trigger conditions are designed. The index insurance product is operable and can provide reference for the precipitation insurance business of Yangmei in Ningbo area, so as to carry out the insurance and claim settlement work objectively and conveniently after the occurrence of precipitation disaster.
【作者单位】： 南京信息工程大学应用气象学院;宁波市气象局;中国太平洋财产保险公司宁波分公司;
【基金】：浙江省保险学会一般项目(2016086)
【分类号】：F842.66;S667.6
，
本文编号：2217293
[Abstract]:The precipitation factors, which are easy to affect the yield of Myrica rubra in picking period, are selected as the meteorological damage index of the insurance design, and the continuous precipitation influence days are defined as the precipitation index of Myrica rubra, and the yield of Myrica rubra is separated and detrended. This paper analyzes the relationship between yield loss rate and precipitation index in 1995-2015, establishes the model of yield disaster loss of Myrica rubra, calculates the risk probability of different grade precipitation index by using the long series historical precipitation data and the Weber distribution model. In order to provide technical support for the sustainable development of agricultural insurance of Myrica rubra, the insurance products of pure rate and precipitation meteorological index under different trigger conditions are designed. The index insurance product is operable and can provide reference for the precipitation insurance business of Yangmei in Ningbo area, so as to carry out the insurance and claim settlement work objectively and conveniently after the occurrence of precipitation disaster.
【作者单位】： 南京信息工程大学应用气象学院;宁波市气象局;中国太平洋财产保险公司宁波分公司;
【基金】：浙江省保险学会一般项目(2016086)
【分类号】：F842.66;S667.6
，
本文编号：2217293
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