【作者】 杨太明； 刘布春； 孙喜波； 李德； 荀尚培；

【Author】 YANG Tai-ming 1,LIU Bu-chun 2,SUN Xi-bo 3 LI De 4,XUN Shang-pei 1(1.Institute of Meteorological Science ofAnhui Province,Hefei 230031,China;2.Institute of Environment and Sustainable Development in Agriculture,CAAS,Beijing 100081;3.Guoyuan Agricultural Insurance Company,Hefei 230031;4.Suzhou Meteorological Bureau of Anhui Province,Suzhou 234000)

【机构】 安徽省气象科学研究所； 中国农业科学院农业环境与可持续发展研究所； 国元农业保险公司； 安徽省宿州市气象局；

【摘要】 利用安徽省宿州市1993-2009年的逐日气象数据并结合区域冬小麦生育期的主要农业气象灾害,通过对历史产量损失与主要灾害的气象指标进行对比分析,为设计小麦种植天气指数保险产品,确定了干旱指数、倒春寒指数、干热风指数、阴雨日数指数Ⅰ、阴雨日数指数Ⅱ共5个小麦关键生育期天气指数。通过历史天气指数赔付率与历史产量损失率的对比,定义基差风险函数和最小化基差风险,确定指数保险赔付的触发值及赔付标准。将设计的保险产品在安徽省宿州市试验应用,2010-2012年成功销售推广1300hm2,总保费约11万元,因触发干旱指数,实际赔付额超过22万元。表明天气指数保险产品的应用,能客观、快捷地提供灾害的经济补偿。更多还原

【Abstract】 For the design of winter wheat planting weather insurance product,5 weather indices of winter wheat planting insurance were established,through analyzed the relationship of historical yield loss and disaster weather index,based on the 1993-2009 daily meteorological monitoring data combined with main agro-meteorological disasters for the regional winter wheat during the growing season.These weather indices included drought index,late spring frost index,dry hot wind index,continuous overcast-rain indexⅠand continuous overcast-rain indexⅡ.Index insurance trigger value and compensation standards were established through analyzed the relationship of historical weather index payment ratio and historical yield loss ratio,defined the function of base risk,and minimized base risk.The weather insurance product was tested in Yongqiao district,Suzhou city,Anhui province.The product was sold and covered 1300ha.from 2010 to 2012.The insurance premium was more than 110 thousands yuan,and the insurance indemnity was more than 220 thousands yuan due to the trigger of drought index.It can be concluded that the application of the weather insurance product can objectively and quickly provide economic compensation for disaster loss.更多还原