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Method and system for improving meteorological disaster index insurance accuracy

A meteorological disaster and accuracy technology, applied in the field of new information technology services, can solve the problems of no historical data accumulation, difficulty in obtaining small-scale data, and inaccurate weather disaster insurance index, so as to improve accuracy and high degree of individualization Effect

Pending Publication Date: 2021-11-05
NANJING UNIV OF INFORMATION SCI & TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] In the existing technology, there is a technical problem that the statistical data are mainly large-scale and large-area data, and small-scale data are difficult to obtain, and there is no historical data accumulation, which leads to the inaccurate technical problem of obtaining the weather disaster insurance index

Method used

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  • Method and system for improving meteorological disaster index insurance accuracy
  • Method and system for improving meteorological disaster index insurance accuracy
  • Method and system for improving meteorological disaster index insurance accuracy

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0044] Such as figure 1 As shown, a method for improving the accuracy of meteorological disaster index insurance includes the following steps:

[0045] S1. Obtain the basic information of the user: obtain basic information such as the planting information of the insured items in the target area, the growth environment information of the insured items, the estimated output information of the insured items, the market price information of the insured items, and the weather loss information of the insured items, and establish Insured item information database.

[0046] S2. Selection and collection of meteorological elements: According to the user information in S1, identify key periods such as the growth period and harvest period of insured objects, select meteorological elements oriented to user needs, and obtain information on key periods such as the growth period and harvest period of insured objects. Long sequence meteorological data.

[0047] S3. Data quality control base...

Embodiment 2

[0079] Such as figure 2 Shown, a kind of system that improves the accuracy of meteorological disaster index insurance, said system comprises:

[0080] Insured object data statistics module: used to obtain the basic information of the insured object in the target area, including planting information, insured object growth environment information, insured object output estimation information, insured object market price information, and insured object meteorological loss information;

[0081] Meteorological element acquisition module: used to obtain long-sequence meteorological data of the key period of the insured object; the key period includes the growth period and the harvest period;

[0082] Data quality control module: used to control the actual rate and spatial accuracy of the meteorological data of the station according to the needs of users;

[0083] Meteorological disaster index evaluation module: used to obtain the loss data of meteorological disasters in areas wher...

Embodiment 3

[0088] A computer storage medium, on which a computer program is stored, and when the computer program is executed by a processor, the aforementioned method for improving the accuracy of weather disaster index insurance is realized.

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Abstract

The invention discloses a method and system for improving meteorological disaster index insurance accuracy. The method comprises the steps of: obtaining meteorological disaster evaluation data through the matching degree between disaster loss and meteorological elements of an insured object and an insured object growth region, and evaluating a meteorological parameter threshold, namely, a meteorological disaster index, which causes the loss of the insured object through an intelligent model; calculating a return period of the meteorological index, determining the size of the return period of the meteorological index, and determining an optimal index value; and calculating the premium of the insured object according to the optimal return period value of the meteorological index. The technical problem that in the prior art, meteorological disaster index insurance is not accurate enough due to the fact that small-range data is difficult to obtain and no historical data is accumulated is solved. According to the invention, a six-year recurrence period is adopted as the optimal meteorological index calculation method, and commercialized sales of meteorological disaster index insurance products is greatly improved.

Description

technical field [0001] The invention relates to a new type of information technology service, in particular to a method and system for improving the accuracy of meteorological disaster index insurance. Background technique [0002] Meteorological disaster index insurance refers to the weather index formed by one or several meteorological elements (such as light, temperature, precipitation, wind speed, etc.) A form of insurance that pays for disaster losses. As a large agricultural country, my country suffers from many types of agro-meteorological disasters, wide range, and frequent activities, causing huge losses to agricultural production. The promotion of traditional agricultural insurance will encounter limitations such as adverse selection, moral hazard, and high transaction costs. However, meteorological Disaster index insurance pays based on objective and transparent index differences, which simplifies the payment process and reduces transaction costs. Therefore, the p...

Claims

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Application Information

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IPC IPC(8): G06Q40/08G06Q10/06G06Q30/02G06Q50/02
CPCG06Q40/08G06Q10/0639G06Q30/0201G06Q30/0202G06Q50/02
Inventor 姜彤王国杰王艳君苏布达陶辉翟建青黄金龙
Owner NANJING UNIV OF INFORMATION SCI & TECH
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