The invention provides a
weather index insurance scheme optimization and optimization degree evaluation method based on basis risk, and belongs to the technical field of agricultural insurance, and the method comprises the following steps: step 1, obtaining meteorological data of a place where an insured
crop is located; step 2, obtaining actual loss of crops caused by disasters; step 3, obtaining the compensation amount obtained by the insuring
crop location; step 4, obtaining the basic difference risk of the
weather index insurance scheme and the basic difference over the years of the place where each insured
crop is located; step 5, decomposing the base difference to obtain space, time and design base difference; step 6, optimizing a
weather index insurance scheme; step 7, decomposing the ground base differences over the years into space, time and design base differences; step 8, obtaining the optimization degree of the weather index insurance scheme; and step 9, constructing
F test statistics, and judging the significance of the optimization degree of the weather index insurance scheme. According to the method, basis difference quantitative
decomposition, basis difference risk quantitative calculation, a weather index insurance scheme optimization method and an optimization degree evaluation method are introduced, and optimization of the weather index insurance scheme is promoted.