海水养殖风力指数保险设计及费率厘定研究——以广东省为例

发布时间：2018-07-08 08:52

本文选题：海水养殖 + 台风　；参考：《海洋经济》2016年03期

【摘要】：为了破解海水养殖保险的发展困境,解决其在推广过程中的道德风险问题,设计了以达到规定风速为保险责任的海水养殖风力指数保险,用风速来衡量海水养殖台风灾害的损失程度,并基于weibull分布提供了该保险的费率厘定方法。以广东省为例,运用weibull分布模拟出广东省沿海12个地级市11~15级台风发生的概率,结合不同风级下海水养殖的平均损失率,厘定出12市的海水养殖风力指数保险费率。结果表明:海水养殖风力指数保险费率水平普遍较高且差异较大,汕尾、茂名和湛江在10%以上;惠州、深圳、珠海和阳江处于6%~10%之间;潮州、汕头、揭阳、中山和江门在4%~6%之间。最后提出了促进海水养殖气象指数保险发展的相关建议。
[Abstract]:In order to solve the development dilemma of marine culture insurance and solve the moral hazard problem in the process of its promotion, the marine culture wind index insurance is designed to reach the specified wind speed as the insurance responsibility. The wind speed is used to measure the loss of marine farming typhoon and the method of determining the rate of the insurance is provided based on the weibull distribution. Taking Guangdong province as an example, the probability of Typhoon No. 1115 in 12 coastal cities of Guangdong Province was simulated by using weibull distribution. Combined with the average loss rate of mariculture under different wind levels, the premium rate of wind index of marine culture in 12 cities was determined. The results show that the premium rate level of wind power index of mariculture is generally high and the difference is great. Shanwei, Maoming and Zhanjiang are above 10%; Huizhou, Shenzhen, Zhuhai and Yangjiang are between 6% and 10%; Chaozhou, Shantou, Jieyang, Zhongshan and Jiangmen are between 4% and 6%. Finally, some suggestions are put forward to promote the development of mariculture meteorological index insurance.
【作者单位】：上海海洋大学经济管理学院;西安交通大学数学与统计学院;
【基金】：上海海洋大学科研基金项目[D_8006-12-0067]
【分类号】：F842.66;F326.4

【相似文献】