日照时间天气指数保险的费率厘定——以长沙县早稻作物为例

梁  来  存

日照时间天气指数保险的费率厘定——以长沙县早稻作物为例

引用本文：梁来存.日照时间天气指数保险的费率厘定——以长沙县早稻作物为例[J].财经理论与实践,2020,(4):25-30

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作者	单位
梁来存	（广西财经学院广西（东盟）财经研究中心，广西南宁 530003）

中文摘要:天气指数保险是传统农业保险、区域产量保险的创新。选择天气指数保险探讨其费率厘定，有助于克服道德风险和逆选择，确保农业保险快速、健康地发展。粮食作物日照时间天气指数保险的费率厘定，首先要测算日照过短（或日照过长）的严重程度，计算日照过短（或日照过长）测度指标；再分析气候因素导致粮食作物减产的程度，计算气候减产率；然后利用计量经济分析方法，确立气候减产率与日照过短（或日照过长）测度指标之间的定量关系；最后根据该定量关系以及日照过短（或日照过长）测度指标的期望值，求得日照时间天气指数保险的费率。

中文关键词:粮食作物日照时间天气指数保险费率厘定

The Ratemaking of Sunshine Time Index Insurance: A Case of Early Rice Crops in Changsha County

Abstract:Weather Index Insurance is an innovation of traditional agricultural insurance and area yield insurance. Accurate ratemaking of weather index insurance will contribute to overcome moral hazard and adverse selection, and ensure the rapid healthy development of crop insurance. The crop ratemaking method of sunshine time index insurance has been studied in this paper, including reckoning the too short（or too long）sunshine time measurements to measure the severity of too short （or too long）sunshine time, estimating meteorological yield reduction rates to analyze the effects of climate factors on grain crops, determining the quantitative relationship between meteorological yield reduction rates and the too short（or too long） sunshine time measurements by the methods of econometric analysis, calculating the premium rates of sunshine time index insurance on the quantitative relationship and the mathematical expectation values of the too short（or too long ）sunshine time measurements.

keywords:crops sunshine time Weather Index Insurance ratemaking

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