草原牧区雪灾天气指数保险设计——以内蒙古东部地区为例  

Design of Snow Disaster Weather-Index Insurance for Pasture Animal Husbandry: A Case Study in Eastern Inner Mongolia

作　　者：易沵泺 王季薇 王铸[1] 梅杰[2] 叶涛[1,3] 史培军[1,3,4] 

机构地区：[1]北京师范大学民政部教育部减灾与应急管理研究院,北京100875 [2]北京师范大学地理学与遥感科学学院,北京100875 [3]北京师范大学地表过程与资源生态国家重点实验室,北京100875 [4]北京师范大学环境演变与自然灾害教育部重点实验室,北京100875

出　　处：《保险研究》2015年第5期69-77,共9页Insurance Studies

基　　金：国家自然科学基金:地表过程模型与模拟创新研究群体科学基金(41321001)资助

摘　　要：指数保险正在成为全球范围内重要的农业风险转移手段。针对指数保险的基本特点,论文探讨了指数保险产品设计的前提条件与核心问题,提出了设计流程和指数选取的原则。在此基础上,针对内蒙古东部牧区雪灾成害机制,选取冬半年实际积雪深度超过临界积雪深度的累计天数作为雪灾指数,设计了羊群雪灾指数保险产品框架,并依据历史数据开展风险评估与费率厘定工作。本文的研究成果可为农业指数保险产品的研发提供参考,并为牧区畜牧业雪灾风险转移提供新的途径。Index insurance is becoming one of the most important agricultural risk transfer instruments worldwide. Focused on the basic features of index-based insurance, this article discussed preconditions and key issues in the design of an index-based insurance, and summarized the technological flow and principles when choosing a suitable index. In accordance with the snow disaster mechanism in Inner Mongolia, the total number of days with snow depth exceeding certain thresholds during snowing season was selected as the snow index in the insurance product. Then, the product framework of snow disaster index insurance for sheep was designed, and risk assessment and premium rating were carried out based on historical snow depth data. This research can provide reference for the design and development of agricultural index insurance and offer a new approach for transferring snow disaster risk in pastoral regions.

关 键 词：天气指数保险 草原牧区 畜牧业雪灾 内蒙古东部地区 

分 类 号：X4[环境科学与工程—灾害防治]