廊坊市夏玉米干旱气象保险指数研究——以霸州市为例

The design of the drought weather index insurance of summer corn in Langfang city——A case study of Bazhou city

利用廊坊市霸州市农业气象观测站点1980—2018年的逐日气象资料和1993—2018年夏玉米产量资料,基于水分亏缺率构建夏玉米干旱气象指数,通过分析夏玉米干旱气象指数与相对气象产量之间的关系,构建夏玉米灾损模型,提出夏玉米干旱保险赔付标准,厘定干旱保险纯费率,设计夏玉米干旱气象指数保险产品。结果表明,在拔节期至乳熟期内发生干旱对夏玉米产量影响最大,选取拔节期至乳熟期和全生育期的干旱气象指数进行灾损分析,构建减产率模型,将夏玉米分为轻旱、中旱、重旱和严重干旱4个等级。设计夏玉米干旱保险赔付标准,起赔标准为干旱气象指数>40%,在拔节期至乳熟期保险费率为5.6%,保费357.6元/hm^(2),全生育期保险费率6.5%,保费395.7元/hm^(2)。

In order to establish the drought weather index insurance model of summer corn,the daily meteorological data from 1980 to 2018 and the summer corn output data from 1993 to 2018 at the Bazhou city agricultural meteorological observation station in Langfang city were used to research the relationship between summer corn and drought.Based on the water deficit rate,a summer corn drought weather index was constructed,and the relationship between summer maize drought weather index and relative weather yield was ana⁃lyzed.The summer corn damage model was constructed,and the summer corn drought insurance compensation standard was proposed.The net drought insurance rate was determined and the summer corn drought weather index insurance product was designed.The re⁃sults showed that the drought in the jointing period to milk maturity period had the greatest impact on summer corn yield.The drought meteorological index of jointing-milk maturity period and full growth period were selected for disaster damage analysis,the yield re⁃duction rate model was constructed,and summer corn was divided into four grades:Light drought,moderate drought,heavy drought and severe drought.The compensation standard of summer corn drought insurance was proposed.when the drought weather index was greater than 40%,the claim was started.In the jointing period to milk maturity,the net insurance premium rate was 5.6%,and the corresponding premiums was 357.6 yuan/hm^(2).In the whole fertility period,the net insurance premium rate was 6.5%,the correspond⁃ing premiums was 395.7 yuan/hm^(2).