我国粮食保险纯费率厘定方法的比较与选择

A Comparison and Choice on the Pure Rate-making Methods of Grain Insurance in China

粮食保险属于政策性农业保险,准确的费率厘定将有助于政府制订出科学的保险支农政策。本文根据我国1979～2008年的实际数据,分别以参数法、非参数(核密度)法厘定了我国粮食单产保险的纯费率,并将两种方法得到的结果进行了比较和分析。分析表明,非参数(核密度)法厘定的纯费率更趋实际、更加准确。

Grain insurance belongs to policy- guided agricultural insurance. Accurate rate - making will be conducive to the policy- making of agricultural insurance. Based on the data of 1979-2008, the pure premium rates of grain crop output per unit area of all provinces are formulated by use of the parametric method and the non- parametric kernel density estimator. And the results are compared and analyzed. The analysis states clearly non - parametric kernel density estimator is more suitable and accurate than the parametric method.