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Reliability optimization method for crop insurance pricing

An optimization method and technology for crops, applied in instrumentation, finance, data processing applications, etc., can solve problems such as poor accuracy and stability of crop insurance rates

Inactive Publication Date: 2021-01-22
SHIJIAZHUANG INST OF RAILWAY TECH
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Problems solved by technology

Therefore, when the sample size is small, the accuracy and stability of crop insurance rates estimated by various methods are poor

Method used

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  • Reliability optimization method for crop insurance pricing
  • Reliability optimization method for crop insurance pricing
  • Reliability optimization method for crop insurance pricing

Examples

Experimental program
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Embodiment Construction

[0027] Taking county-level corn insurance pricing in Hebei Province as an example to demonstrate the effect of this method. According to the data mixing method based on reliability optimization designed by us, we first calculate the p-value of the K-S test of the RSV sequence between pairs of 138 counties in Hebei Province. Taking Ningjin County, Xingtai City, which has the largest planting area, as an example, analyze the K-S test of the same distribution of data in this county and other counties, as shown in Table 1.

[0028] Table 1 K-S test situation of corn yield RSV in Ningjin County and other areas of Hebei Province

[0029]

[0030] It can be seen that at the significance level of 0.1, there are 133 regions with the same distribution as the RSV sequence of corn yield in Ningjin County, but the p value of most regions is low, and the number of regions lower than 0.5 is 69 There are 109 regions with a p value lower than 0.7, and only 12 regions with a p value higher ...

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Abstract

The invention relates to a reliability optimization method for crop insurance pricing, and the method comprises the steps: building and solving a reliability optimization model for agricultural insurance rate estimation based on the reliability theory of insurance rate determination, selecting an area with data obeying the same distribution, and enlarging the sample size through a data mixing method to improve the accuracy and the stability of crop insurance rate determination in China. According to the invention, the sample size can be increased by using a mixed data method, and the reliability level of the crop insurance setting rate is improved.

Description

technical field [0001] The invention relates to the technical field of insurance pricing, in particular to a reliability optimization method for crop insurance pricing. Background technique [0002] How to determine the premium rate is the key issue for the sustainable and "high-quality" development of agricultural insurance. A high premium rate will cause insufficient effective demand from farmers, and a low premium rate will increase the operating risk of insurance institutions and fail to provide long-term effective supply. , and accurate rate determination is also a prerequisite for the country to carry out risk zoning, formulate premium subsidy policies, and improve the efficiency of subsidy fund use. Accurate rate determination needs to be based on a large amount of empirical data. Since crops generally require a one-year production cycle, and the production process and results are not reproducible, compared with other property insurance, agricultural insurance has obv...

Claims

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Application Information

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IPC IPC(8): G06Q40/08G06Q50/02
CPCG06Q40/08G06Q50/02
Inventor 李士森吴海平李晓涛刘华
Owner SHIJIAZHUANG INST OF RAILWAY TECH
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