区域种植业自然灾害保险综合区划研究--以湖南省晚稻为例

Integrated regionalization of crop natural disaster insurance: a case study on late rice in Hunan Province,China

种植业自然灾害保险综合区划是对种植业自然灾害风险及其保险费率空间分异规律的综合表达,是有效防范种植业自然灾害风险、促进种植业保险专业化与精细化发展的重要途径之一。在区域自然灾害系统理论、区域划分理论以及自然灾害保险精算技术的基础上,构建了区域种植业自然灾害保险综合区划的逻辑框架,并在该框架指导下围绕湖南省晚稻开展了案例研究工作。通过定量风险评估、费率厘定与多要素区划方法,最终形成了研究区晚稻自然灾害保险综合区划方案,将湖南省划分为5个一级区(南部山地丘陵高风险区、中部山地丘陵中风险区、北部平原湖区中风险区、西南山地中风险区和东部平原丘陵低风险区),15个二级区(每个区域分为高、中、低费率三个类型区)。研究成果为我国种植业自然灾害风险与保险的综合区划工作提供了新的思路,同时为种植业灾害风险防范与保险发展提供了科技支撑。

The integrated regionalization of crop natural disaster insurance is the comprehensive expression for the spatial differentiation law of natural disaster risk and its insurance premium rates. It is an important approach to crop natural disaster risk governance and the professionalization of crop insurance business management. Based on the theories of regional natural disaster system and regional division and insurance actuarial techniques, this paper developed a logical framework of integrated this framework, the paper carried out a case regionalization of regional crop natural disaster insurance. In light of study in late rice-production region in Hunan Province, China. An in-tegrated insurance regionalization plan was achieved through quantitative risk assessment, premium rating and multi-element regionalization approach in Hunan Province. The plan divided Hunan Province into 5 primary risk re- gions （south mountainous high-risk region, the central hilly moderate-risk region, the north lake-plain moderate- risk region, the southwest mountainous moderate-risk region, the east plain and hilly low-risk region） and 15 sec- ondary risk regions （each region includes three types of premium-rate regions）. The research results could provide effective technical support for crop natural disaster risk guard and crop insurance practice operation, which could help to improve the professional and scientific development level of the Chinese crop insurance.