政策性农业保险费率厘定模型及实证研究

Empirical Research on Policy-oriented Agricultural Insurance Rate Determination

本文试图探析政策性农业保险费率厘定的理论模型,并以杭州地区为例计算保险费率。结果表明,该地区水稻作物的保险费率在80%的保障水平下应该定在7.35%,在90%的保障水平下应该定在7.84%。当前杭州地区核定的水稻作物的保险费率为5%左右,这与本文通过分析水稻的单产分布而确定的保险费率水平仍有较大的差距,表明政府在保险费率的厘定方面应该进一步的予以完善,以保证"共保体"持续发展。本文在最后提出了相关建议。

This paper selected the data of Hangzhou and develop a theory model to determine the insurance rate.Our results show that the reasonable rate should be 7.35% in the guaranteed level of 80% and 7.84% in the level of 90%.But the present rate is 5% around,which is lowers than the reasonable rate bases on rice yield produce distribution.This indicates that our government should improve the rate determination to realize sustainable development.