气象与环境学报2018，Vol.34Issue(2)：92-99,8.DOI:10.3969/j.issn.1673-503X.2018.02.012
玉米干旱天气指数保险产品设计——以吉林省为例
Insurance product design based on maize drought weather index:A case study in Jilin province
摘要
Abstract
The insurance product design based on maize drought weather index is a beneficial supplement to tradi-tional agriculture insurance,which is important for transferring drought risk and ensuring the development of Jilin province′s economy.In order to establish the drought weather index insurance model of maize,the long sequential developmental phase data of maize,meteorological data and maize yield data from 1981 to 2014 were collected. Then pricing pure premium rate determined by the parametric yield risk analysis method based on Weibull distribu-tion model and its spatial distribution were analyzed in this paper.Finally,maize drought weather index model was established and the insurance product based on different deductible excesses was designed.The results show that maize yield risk distribution in Jilin province could be simulated using the Weibull distribution model.Besides,the Weibull distribution model could also be used for pricing pure premium rate.The western of Jilin province is the region with high pure premium rate and is suitable for the high deductible rate.Whereas,the southeast of Jilin Province is the region with low pure premium rate,and is suitable for the low deductible rate.The pricing of the maize drought pure premium rate is consistent with the reality of maize planting in Jilin province,which could re-flect the regional differences in Jilin province.The insurance product based on maize drought weather index is de-signed with the different deductible excess rate.The compensation starting values of weather index are 14.25, 30.15 and 46.06 when the deductible rates are 10%,15%,and 20%,respectively.关键词
玉米干旱/天气指数/Weibull模型Key words
Maize drought/Weather index/Weibull model分类
天文与地球科学引用本文复制引用
曲思邈,王冬妮,郭春明,杨旭,王美玉,邱美娟..玉米干旱天气指数保险产品设计——以吉林省为例[J].气象与环境学报,2018,34(2):92-99,8.基金项目
吉林省气象局青年基金课题(2015017)和公益性行业(气象)科研专项(GYHY201206018)共同资助. （2015017）
