湖北省油菜保险纯费率比较研究——基于不同单产分布下的实证研究  

Comparative study of rapeseed yield insurance pure premium of Hubei province——empirical analysis under alternative yield distributions

作　　者：郭兴旭[1] 陶建平[1] 曾小艳[1] 

机构地区：[1]华中农业大学经济管理学院,湖北武汉430070

出　　处：《保险研究》2010年第1期65-72,共8页Insurance Studies

基　　金：国家自然科学基金"农作物生产风险区划与灾害补偿机制研究"(70873046)部分研究成果

摘　　要：在农作物保险费率厘定当中,期望损失是影响纯费率准确性的关键因素,因此在不同的产量分布下会出现不同的纯费率,本文使用四种参数方法与一种非参数方法,共五种分布对湖北省78个县市①的油菜单产保险纯费率进行厘定,发现不同分布下厘定的费率明显不同,并采取定性与定量相结合的方法对五种分布拟合的效果做出评价。According to rate making methods of crop insurance contracts, the expected loss is a crucial element af- fecting accuracy of pure premium rate. So the different production distribution would result in different pure premi- um rates. This paper applies five distributions, including four parametric methods and one non-parametric method, to calculate pure premium rates of rapeseed yield insurance contracts in 78 counties and cities of Hubei provinces. The results demonstrate that pure premium rate distinctly varies under different distributions. Also, this paper eval- uates effects of five yield distributions through qualitative and quantitative analysis.

关 键 词：湖北省 油菜 分布 纯费率 

分 类 号：F840.66[经济管理—保险]