茶叶寒冻害天气指数保险设计
DOI:
作者:
作者单位:

作者简介:

通讯作者:

中图分类号:

基金项目:

福建省科学与技术厅社会发展引导性(重点)项目(2018Y0002);福建省气象局青年科技专项项目(2017Q11)资助


Design of IndexBased Weather Insurance for Tea Cold and Freezing Damage
Author:
Affiliation:

Fund Project:

  • 摘要
  • |
  • 图/表
  • |
  • 访问统计
  • |
  • 参考文献
  • |
  • 相似文献
  • |
  • 引证文献
  • |
  • 资源附件
  • |
  • 文章评论
    摘要:

    以茶叶萌芽至展叶期寒冻害为突破口,利用1987—2016年福建省泉州市安溪县17个自动气象站2—4月的逐日气象数据及安溪各茶树种植区产量数据,确定茶叶寒冻害的天气指数保险气象指标,分析日极端最低气温与茶叶减产率的关系,建立了茶叶寒冻害指数模型。计算安溪不同区域茶叶种植区不同等级寒冻害的发生概率,应用纯保费率方法厘定了保险费率,并根据福建省政策性农业保险的实际情况,制定茶叶不同区域种植区寒冻害指数保险触发条件、赔付标准,设计了安溪县茶叶寒冻害天气指数保险合同。设计的茶叶寒冻害天气指数保险产品以客观气象数据作为定损依据,可以为茶农提供一种有效的风险转嫁方式,也为保险公司增加新险种提供了技术支撑。

    Abstract:

    By studying the cold and freezing damage to tea from budding period to leaf expansion period, this paper uses the daybyday meteorological data of February to April from 17 weather stations from 1987 to 2016 in Anxi County and the yield data of various tea growing regions in Anxi to determine the meteorological indicators of cold and freezing damage to tea trees for indexbased weather insurance, analyze the relationship between daily extreme low temperature and tea failure rate, as well as establish the cold and freezing damage index model of tea trees. Moreover, we calculate the incidence of cold and freezing damage of different severity in different tea growing regions in Anxi, apply the pure premium method to determine the premium, and based on the actual situation of policyguided agricultural insurance in Fujian Province, formulate the compensation thresholds and compensation standards for cold and freezing damage insurance in different growing regions of tea trees and design the insurance contract for tea cold and freezing damage weather indexes in Anxi County. The designed insurance products based on tea cold and freezing damage weather indexes take the objective meteorological data as the loss assessment basis, first time in agricultural insurance and can serve as an effective risk transfer means for tea growers. Moreover, it provides technical support for insurance companies to develop new insurance products.

    参考文献
    相似文献
    引证文献
引用本文

汪春辉,陈治杰,陈家金,赵伯听.茶叶寒冻害天气指数保险设计[J].气象科技,2020,48(1):141~146

复制
分享
文章指标
  • 点击次数:
  • 下载次数:
  • HTML阅读次数:
  • 引用次数:
历史
  • 收稿日期:2019-01-26
  • 定稿日期:2019-06-13
  • 录用日期:
  • 在线发布日期: 2020-02-26
  • 出版日期:
您是第位访问者     版权所有:气象科技编辑部    
主办单位:中国气象局气象探测中心,中国气象科学研究院,北京市气象局,国家卫星气象中心,国家气象信息中心
     地址:北京市海淀区中关村南大街46号       邮编:100081      电话 :010-68407256      传真:010-68407256
技术支持:北京勤云科技发展有限公司