玉米气象指数保险纯费率厘定的实证研究——以河北省为例  

Empirical Research on Determination of Insurance Pure Premium Rate Based on Corn Weather Index——A Case Study of Hebei Province

作　　者：刘亚静[1] 周稳海[2] 

机构地区：[1]河北农业大学经济贸易学院,河北保定071000 [2]河北大学经济学院,河北保定071000

出　　处：《河南农业科学》2013年第4期193-196,共4页Journal of Henan Agricultural Sciences

基　　金：河北省社会科学基金项目(HB12YJ095);河北农业大学社科基金项目;教育部人文社会科学基金项目(12YJAZH138)

摘　　要：以1993-2010年河北省各市玉米单产和气象因素的面板数据,构建面板数据模型,推算各市气象单产数据,并运用单产分布模型厘定各市玉米气象指数保险纯费率,以期为河北省玉米气象指数保险的发展提供理论及技术支持。研究表明:各市玉米气象指数保险的纯费率普遍偏高,介于2.40%～8.50%,且各市间纯费率差别较大,纯费率最高的张家口市高出最低的秦皇岛市3倍多,这与河北省的玉米种植风险实际情况一致,说明气象指数保险理论具有可行性,这将为我国农业保险的发展提供一个新的思路和方法。Based on the panel data about the corn yield per area and weather factors of 11 cities from 1993 to 2010 in Hebei province,meteorological yield per area of every city was calculated by panel data model, and the corn insurance pure premium rate of each city was calculated by distribution model of yield per area, so as to provide theoretical support for the development of corn weather index insurance in Hebei province. The results showed that the corn insurance pure premium rate for each city was high and quite different, the corn insurance pure premium rate in Zhangjiakou was the highest （8. 50%） and Qinhuangdao was the lowest（2.40%）, which were consistent with the actual situation of corn risk in Hebei province. So, weather index insurance is feasible,and will provide a new thought and method for the development of Chinese agricultural insurance.

关 键 词：气象指数保险 纯费率厘定 面板数据模型 单产分布模型推导法 

分 类 号：S513[农业科学—作物学]