农业气象指数保险研究与设计——基于辽宁省玉米的面板数据

doi:10.15936/j.cnki.1008-3758.2018.03.007

东北大学学报（社会科学版） ›› 2018, Vol. 20 ›› Issue (3): 262-269.DOI: 10.15936/j.cnki.1008-3758.2018.03.007

农业气象指数保险研究与设计——基于辽宁省玉米的面板数据

聂荣，宋妍

(辽宁大学经济学院，辽宁沈阳110036)

收稿日期:2017-11-20 修回日期:2017-11-20 出版日期:2018-05-25 发布日期:2018-05-28
通讯作者: 聂荣
作者简介:聂荣(1967-)，女，辽宁沈阳人，辽宁大学教授，博士生导师，主要从事农村经济管理研究。
基金资助:
教育部人文社会科学规划基金资助项目(14YJA790040);辽宁省社会科学规划基金资助项目(L17AJY007)。

Research and Design of Weather-index Insurance of Agriculture ——Based on the Panel Data of Corn in Liaoning Province

NIE Rong， SONG Yan

(School of Economics， Liaoning University， Shenyang 110036， China)

Received:2017-11-20 Revised:2017-11-20 Online:2018-05-25 Published:2018-05-28
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摘要/Abstract

摘要： 选择辽宁省玉米作为研究对象，利用辽宁省14个地市的面板数据，对气象指数保险进行了研究与设计。基于降水量单一气象因素构造了玉米干旱指数;根据期望损失法厘定了玉米干旱指数保险费率、保险的触发值及相应赔付值;基于多气象因素，即考虑年平均气温、年降水量、年日照时间等三个气象因素，构建了面板数据模型拟合气象指数产量，在此基础上设计以基准产量为赔付标准的玉米天气指数保险合同。建议在进行天气指数保险研究与设计时，应按照循序渐进的原则;在具体天气指数推广时，适度强制投保，提高天气指数保险金额，提高农户参与率。

关键词: 气象指数保险, 保险费率, 基差风险

Abstract: Based on the panel data of 14 cities in Liaoning Province， corn was selected as the object to research and design weather-index insurance. The corn drought index was established according to the single meteorological factor of precipitation. Then， the loss expectancy method was applied to determine the premium rate， trigger value of corn drought index insurance and the corresponding compensation value. Based on the multiple meteorological factors of annual mean temperature， annual amount of precipitation and annual sunshine duration， the panel data model was constructed to simulate the weather-index value. And on this basis， the weather-index insurance of corn was designed with the payment standard of benchmark yield. It was suggested that a step-by-step principle should be followed in researching and designing the weather-index insurance， and compulsory insurance should be implemented moderately， weather-index insurance amount should be increased and farmers' participation rate should be improved in publicizing the weather index.

Key words: weather-index insurance, insurance rate, basis risk

中图分类号:

F840.66

聂荣，宋妍. 农业气象指数保险研究与设计——基于辽宁省玉米的面板数据[J]. 东北大学学报（社会科学版）, 2018, 20(3): 262-269.

NIE Rong， SONG Yan. Research and Design of Weather-index Insurance of Agriculture ——Based on the Panel Data of Corn in Liaoning Province[J]. Journal of Northeastern University(Social Science), 2018, 20(3): 262-269.

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农业气象指数保险研究与设计——基于辽宁省玉米的面板数据

Research and Design of Weather-index Insurance of Agriculture ——Based on the Panel Data of Corn in Liaoning Province

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