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An index-based agricultural insurance product design method and its products

A product design and index-based technology, applied in the field of agricultural information, can solve problems such as the difficulty of disaster loss data, insufficient loss data to support a good regression relationship, and low index selection dimensions, so as to achieve rapid product design, promotion, and compensation Poor data quality, the effect of increasing the evaluation dimension

Active Publication Date: 2021-02-02
BEIJING NORMAL UNIVERSITY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

At present, there are two common data sources: the loss data obtained based on the Disaster Statistical Yearbook covers a wide range and lasts for a long time, but the data recording format is not uniform and there are some omissions in some years
The loss data obtained based on policy data is more specific and reliable, and can well reflect the unique loss response in different regions. However, for my country, the development time of index agricultural insurance is relatively short (less than 20 years) and each insurance company’s underwriting The type and scope are relatively limited, and the amount of loss data is not enough to support the establishment of a good regression relationship
Generally speaking, it is difficult to balance the quantity and quality of disaster loss data of crops
[0007] (2) Index selection dimension is low
[0009] (3) It is difficult to design insurance products commercially and automatically
Currently, there is no such insurance product

Method used

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  • An index-based agricultural insurance product design method and its products
  • An index-based agricultural insurance product design method and its products
  • An index-based agricultural insurance product design method and its products

Examples

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Embodiment

[0114] Taking Northeast China as the research area below, the research object is the chilling injury of corn, and the specific application of the technical method of the present invention is illustrated. The examples are used to illustrate the present invention, but not to limit the scope of the present invention.

[0115] Due to the higher latitude and the habit of rainfed planting, Northeast China (see figure 2) is extremely vulnerable to climate change, and has become one of the areas with the largest fluctuations in corn yield in my country. Here, the growth period of spring corn is usually from the beginning of May to the end of September. In this example, based on the maps of the global Spatial Production Allocation Model (SPAM) in 2000, 2005, and 2010, combined with county-level statistical data, a total of 188 counties with more than 3% of the corn harvested area were selected as the research area. Among them, 16 experimental sites with excellent data and good repre...

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Abstract

The invention discloses a method for designing an index-type agricultural insurance product and its products. The method includes: S1 obtaining data required for designing an index-type agricultural insurance product in a research area; S2: constructing an ideal scenario and simulating a disaster scenario; S3: Carry out the localization of the site-level crop growth model, and then input the ideal scenario and the simulated disaster scenario in step S2 into the localized crop growth model to obtain the output data corresponding to each scenario at each research site; S4: According to the yield Loss calculation insurance premium rate of agricultural insurance products; S5: Select multiple alternative indicators and form a composite index, use the yield loss rate and composite index of each simulated disaster scenario to construct a vulnerability that reflects the response between the yield loss rate and the composite index Vulnerability model; S6: Determine how to make compensation according to the vulnerability model and the insurance premium rate.

Description

technical field [0001] The invention relates to the technical field of agricultural information, in particular to an index-type agricultural insurance product design method and its products. Background technique [0002] Climate risk is a serious problem facing agriculture worldwide, causing large fluctuations in production and unexpected losses. As a management method of disaster risk transfer, agricultural insurance is an important means to enhance the risk prevention ability of the grain planting industry and promote safe agricultural production. At present, my country's agricultural insurance is booming; from 2007 to 2012, the cumulative premium income of my country's agricultural insurance exceeded 60 billion yuan, ranking second in the world, with an average annual growth rate of 85%, and agricultural insurance paid a total of more than 70 million farmers. The insurance compensation exceeds 40 billion yuan, and the average household compensation is nearly 600 yuan, acc...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q10/06G06Q40/08G06Q50/02
CPCG06Q10/06393G06Q40/08G06Q50/02G06F17/18
Inventor 张朝李子悦骆玉川张静陶福禄
Owner BEIJING NORMAL UNIVERSITY
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