收入保险地区差异化定价研究——以黑龙江省大豆为例  

Research on Regional Differentiated Pricing of Revenue Insurance:Taking Soybean of Heilongjiang Province as an Example

作　　者：张心怡 Zhang Xinyi

机构地区：[1]南开大学金融学院,天津300190

出　　处：《保险职业学院学报》2023年第3期53-59,共7页Journal of Insurance Professional College

摘　　要：农产品收入保险同时承保产量风险与价格风险,为农户提供更加全面的风险保障,切实提高了农户生产积极性。受不同自然和市场环境影响,不同地区面临的风险特点不尽相同,对收入保险实施地区差异化定价符合精算定价公平性原则,有利于收入保险进一步向精细化运作发展。本文以黑龙江省大豆为例,基于参数法及Copula函数对不同地市大豆收入保险进行费率厘定,并在纯费率差异化厘定的基础上,基于不同地区风险波动程度差异,引入差异化风险附加,以期使农产品收入保险费率厘定更加合理。Crop revenue insurance covers both production risk and price risk,providing farmers with more comprehensive protection and effectively enhancing their enthusiasm for production.Affected by natural and market environments,different regions face various risk characteristics.According to the actuarial pricing fairness principle,regional differentiated premium rate for revenue insurance is conducive to the further devel-opment of revenue insurance towards refined operation.This essay takes soybean of Heilongjiang province as an example to research the pricing method of revenue insurance in different regions,based on parameter meth-od and Copula function.Furthermore,risk surcharge is considered based on the volatility in different areas to enhance the fairness of the rate.

关 键 词：收入保险 保险定价 COPULA函数 黑龙江省大豆 

分 类 号：F840.48[经济管理—保险]