玉米干旱天气指数保险产品设计——以吉林省为例

doi:10.3969/j.issn.1673-503X.2018.02.012

Journal of Meteorology and Environment ›› 2018, Vol. 34 ›› Issue (2): 92-99.doi: 10.3969/j.issn.1673-503X.2018.02.012

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Insurance product design based on maize drought weather index: A case study in Jilin province

QU Si-miao¹, WANG Dong-ni¹, GUO Chun-ming¹, YANG Xu^1,2, WANG Mei-yu³, QIU Mei-juan¹

1. Institute of Meteorological Science in Jilin Province, Changchun 130062, China;
2. Institute of Meteorology and Oceanography, People's Liberation Army University of Science and Technology, Nanjing 211101, China;
3. Jilin Provincial Meteorological Service, Changchun 130062, China

Received:2017-03-20 Revised:2017-06-07 Online:2018-04-30 Published:2018-04-30

Abstract

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 reflect the regional differences in Jilin province.The insurance product based on maize drought weather index is designed 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.

Key words: Maize drought, Weather index, Weibull model

CLC Number:

P49
S513

QU Si-miao, WANG Dong-ni, GUO Chun-ming, YANG Xu, WANG Mei-yu, QIU Mei-juan. Insurance product design based on maize drought weather index: A case study in Jilin province[J]. Journal of Meteorology and Environment, 2018, 34(2): 92-99.

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Insurance product design based on maize drought weather index: A case study in Jilin province

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