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首页> 外文会议>Annual Meeting of Risk Analysis Committee of China Association for Disaster Prevention >Design of the Insurance Contract Based on the Weather Indices of Chilling Injury in Litchi and Demonstration Application
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Design of the Insurance Contract Based on the Weather Indices of Chilling Injury in Litchi and Demonstration Application

机译：基于荔枝寒冷损伤的天气指数的保险合同设计

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摘要

Chilling injuries severely affect and restrict the litchi production in Hainan. Accordingly, the studies on the design of insurance contracts based on the weather indices and will be of great significance for transferring disaster risks, reducing the losses of planters. Using the data of litchi yield from 1990 to 2010 as well as the meteorological data from 1961 to 2010 in Hainan, the yield risk distribution model was developed using the extreme value theory. Subsequently, the pure premium rates in all counties or cities were determined. Finally, the insurance products and contracts with different deductibles were designed. With the chilling damage of litchi encountered in Hainan Province in 2014, the paper applied the insurance contract in Haikou and Chengmai, the result of error testing indicate that simulation of the chilling injury index to litchi yield reduction rate was accurate, and the determination of the premium rate was scientific and reasonable. The insurance contracts based on the weather indices with different deductibles are designed according to the requirements of the insurers at different regions with different risks. They can provide technical supports for the establishment and improvement of agricultural insurance schemes for litchi in Hainan.
机译：寒冷的伤害严重影响和限制海南的荔枝产量。因此，基于天气指标的保险合同设计研究，对转让灾害风险具有重要意义，减少了种植者的损失。利用1990年至2010年的荔枝产量数据以及1961年至2010年在海南的气象数据，利用极值理论开发了产量风险分布模型。随后，确定了所有县或城市的纯净率。最后，设计了保险产品和不同免赔额的合同。在2014年海南遇到的荔枝损坏的情况下，本文在海口和郑先生应用了保险合同，错误检测结果表明，呼吸损伤指数对荔枝产量减少率的模拟是准确的，并确定了高级率是科学合理的。根据不同扣除措施的基于天气指数的保险合同根据不同地区的保险公司的要求设计。他们可以为海南荔枝的建立和改进建立和改进技术支持。

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