The invention discloses a chestnut drought meteorological index insurance method

Abstract

The invention relates to a chestnut drought meteorological index insurance method, which specifically comprises the following steps of: establishing a one-to-one correspondence relationship between meteorological conditions and chestnut yield expected loss values, i.e. Indexing the loss degree to serve as a basis for determining a compensation standard, signing an insurance contract and providingcompensation. The method relates to Chinese chestnut drought disaster risk assessment, meteorological insurance index design, determination of a meteorological insurance claim settlement trigger valueand an insurance rate, development of a meteorological index insurance product and popularization of the meteorological index insurance product. According to the safety method, the precipitation of the Chinese chestnut in the expansion period is determined as the drought index, the insurance party and the insurance party are symmetrical in information, the morality risk and inverse selection in traditional insurance are avoided, investigation and loss assessment by special personnel are not needed, the claim settlement procedure is greatly simplified, and therefore the operation cost of an insurance company is greatly reduced. According to the safety method, the influence of subjective factors in traditional agricultural safety is avoided, farmers are stimulated to actively prevent disasters and reduce damage, the Chinese chestnuts are not damaged due to disasters, and sustainable development of Chinese chestnut planting is guaranteed.

Description

technical field [0001] The invention relates to an insurance method, in particular to a chestnut drought weather index insurance method for chestnut yield assessment and reduction of chestnut yield risk. Background technique [0002] In the context of climate change and frequent extreme weather events, meteorological disasters such as drought have caused major economic losses to agriculture and farmers. It is far from enough to rely solely on state finance and government subsidies. Objectively, agricultural insurance is needed to transfer Diversify risks, share economic losses, and stabilize agricultural planting income. In 2007, the government launched a pilot program of policy-based agricultural insurance. This insurance model is a business model that combines government leadership, policy support, and market operations. It belongs to traditional cost insurance and output or output value insurance. The claim settlement method of door-to-door investigation and loss determi...

AI Technical Summary

Problems solved by technology

Traditional agricultural insurance attempts to determine insurance compensation based on individual output experience losses. There are three main problems: first, the management cost is too high, and it requires a lot of manpower and material resources to verify individual historical output and evaluate individual output losses, and the accuracy is prone to disputes; It is a problem of adverse selection. When farmers realize that their expectations are higher than the premium, they are willing to buy insurance, and the insurance company will suffer losses, increase the premium, and reduce the willingness of farmers to buy insurance. The third is moral hazard. After buying insurance, farmers can obtain compensation by changing production practices probability

That is, when encountering sudden local disasters (hail, strong winds, local rainstorms, landslides, etc.), individual farmers are damaged, but have little impact on regional output, which may lead to the phenomenon that individual farmers are not compensated for damage. Base risk and regional Yield insurance is inherent and cannot be eliminated, so there are few domestic reports on the development of regional index insurance

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