水稻、小麦与玉米作物天气指数保险概述
首发时间:2015-05-21
摘要:为降低农业的风险, 增强农业的竞争力和信息的透明度,农业天气指数保险设计与构建值得关注。水稻、小麦、玉米作物为中央财政支持的政策性农业保险主要险种。天气指数保险的设计、天气保险费率厘定、天气指数保险效率和推广应用,是化解农业信息不对称的方法。在综合国内外天气指数实践与研究进展基础上,考虑三大作物产量水平、产量变异系数、天气灾害发生强度、持续时间、发生频率、综合风险指数等,可以建立相应作物农业保险风险区划及天气指数保险产品,以实现作物保险责任、天气保险指数设计、保险费率确定补贴及定损理赔技术的科学性、可靠性和公平性。
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The summary on the weather insurance index of rice,wheat and maize
Abstract:The design and construction of agricultural weather index insurance is worthy of concern, due to reducing the risk of agriculture,and to enhancing the competitiveness of agriculture and information transparency. Rice, wheat, corn are major insurance crop for agricultural insurance policy supported by central finance. The design of weather, the premium rate of weather index insurance,the weather index insurance efficiency and application are the solution of agricultural information asymmetry. Based on the research and practice of domestic and foreign weather index,crop yield levels,coefficient of variation,weather disasters intensity,duration,frequency, comprehensive risk index are used to get the agricultural insurance risk zoning and weather index insurance. Crop insurance, weather insurance, insurance premium subsidies and loss compensation should be scientific, reliability and fairness.
Keywords: rice wheat maize weather insurance index
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No.4643632743493143****
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