【摘要】 在分析切比雪夫大数定律的保险学意义的基础上,对粮食产量资料经过合适的处理,并参照美国、日本、台湾等国家和地区保险费率的计算方法,计算了中国全国范围内保险费率的数值。计算的结果与国内其他同样的保险费率的数值相比较,数量级相同但更加稳定可靠。最后采用动态迭代自组织聚类算法将保险费率在全国分区,给出了全国保险费率的分布情况,这些数值还可根据保险实践适当修改,结果可为防灾减灾和保险公司业务运行提供参考。更多还原

【Abstract】 Based on the theory of the great number law and making reference to calculation methods in U.S.A.,Japan and Taiwan of China,the premium rate of grain yield in the main land of China is formulated compared with the value of other domestic premium rates,the calculated one is equal to the value in quantity but more stable and reliable.The rate is then divided into several risk areas by means of the method of iteration on Self Organization Dynamics Assembling.This result could serve as reference to the operation of insurance company and disaster prevention and alleviation.更多还原