西双版纳人象冲突保险产品设计及其费率厘定

Designing the Insurance Product and Determining Insurance Rates of Human-Elephant Conflict in Xishuangbanna

人象冲突的频繁发生,给西双版纳政府和村民带来极大不便。文章在西双版纳人象冲突风险区域评估研究成果的基础上,基于RStudio软件中fitdistrplus程序包对2011—2016年西双版纳人象冲突补偿数据的分布进行拟合,从而厘定出不同风险区域的纯保费。结果表明:无风险区域、低风险区域、中风险区域和高风险区域的单位纯保费合计分别为:1 718.33元、4 667.14元、7 578.624 5元、9 862.595元。文章从定量的角度分析缓解人象冲突的可行性措施,其研究方法和研究成果在西双版纳人象冲突肇事保费厘定上提供了较强的参考价值。

Frequent occurrence of human-elephant conflict has caused a great troublesome to the local government and villagers.In this paper,loss compensation data caused by human-elephant conflicts in Xishuangbanna from 2011 to 2016 are collected and the loss distribution is then analyzed by the package "fitdistrplus"of RStudio software.According to the fitted loss distribution,insurance premium is then calculated.Results show that the premiums in the risk-free,lowrisk,middle-risk,and high-risk areas are 1718.33CNY,4667.14CNY,7578.62CNY,and 9862.59CNY,respectively. According to this paper,the risk of human-elephant conflict is quantified and a reasonable risk management approach is proposed.The methodology and results can be applied for calculate the premium of human-elephant conflict insurance.