海南省芒果寒害气象指数保险费率厘定及保险合同设计研究

发布时间：2018-05-18 12:18

本文选题：芒果寒害 + 气象指数保险费率　；参考：《气象与环境科学》2016年01期

【摘要】：寒害严重影响和制约海南芒果种植业的发展,芒果寒害气象指数保险费率的厘定及其合同设计对于转移灾害风险、减少农民损失、促进海南经济发展具有重大意义。利用海南省18个市(县)1990-2010年的芒果产量数据和1961-2010年的气象数据,基于极值理论构建产量风险分布模型,厘定了各市(县)的纯保险费率及其空间分布。结果表明:纯保险费率高值区主要分布在中部山区的五指山、琼中和白沙,以及北部的澄迈,其中白沙最高,这些地区芒果寒害风险较高,且种植技术或防灾减灾能力较差,建议采用高免赔额费率;纯保险费率低值区主要分布在南部和东部,其中南部三亚和陵水无寒害,其他市(县)寒害风险较低,建议实行低免赔额费率。同时,设计了基于不同免赔额的保险产品及合同,可为海南建立和完善芒果政策性农业保险方案提供技术支撑。
[Abstract]:Cold injury seriously affects and restricts the development of mango planting in Hainan. It is of great significance to determine the insurance rate of mango cold damage meteorological index and its contract design for transferring disaster risk, reducing farmers' losses and promoting Hainan's economic development. Based on the mango yield data from 1990 to 2010 and meteorological data from 1961-2010 in 18 cities (counties) of Hainan Province, a model of yield risk distribution was established based on extreme value theory, and the pure insurance rate and its spatial distribution in each city (county) were determined. The results show that the high value area of pure insurance rate is mainly distributed in Wuzhishan, Qiongzhong and Baisha in the central mountainous area, and Chengmai in the north, among which the white sand is the highest. The risk of mango cold damage is high in these areas, and the planting technology or the ability of disaster prevention and mitigation is poor. The low value area of pure insurance rate is mainly distributed in the south and east of China, in which there is no cold damage in Sanya and Lingshui in the south, and the risk of cold injury in other cities (counties) is relatively low, so it is recommended to implement the low deductible rate. At the same time, the insurance products and contracts based on different deductible amount are designed, which can provide technical support for the establishment and improvement of mango policy agricultural insurance scheme in Hainan.
【作者单位】：海南省气象科学研究所;南海气象防灾减灾重点实验室;海南省气候中心;
【基金】：国家自然科学基金项目(41175096) 海南省自然科学基金项目(414198)资助
【分类号】：F842.66;F326.13

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