改进创新新疆棉花保险产品研究

Research on Xinjiang Contton Insurance Products

以国家在新疆率先实施棉花目标价格改革试点工作为锲入点,以做好棉花保险产品服务"供给侧"改革为出发点,分析现行棉花保险产品特点及存在的问题,结合新疆棉花产业发展多元化需求,以阿克苏地区棉花生产抽样数据为基础,构建五种不同的棉花保险产品模式:以非参数核密度方法构建农作物产量保险定价模型;利用Copula函数计算新疆天气指数保险和收入保险保费率厘定模型;介绍成本保险和价格保险,为丰富新疆棉花保险产品结构,推动新疆棉花产业健康发展及棉农增收奠定基础。

It is the breakthrough point that the state carried out the cotton price reform pilot.It is the starting point to make the ' supply side reform' in the cotton insurance products and services.Analyze the features and the problems of the cotton insurance product combined with the demand of cotton industry in Xinjiang.Construct five different cotton insurance product models based on the cotton production sampling data in Akesu:use the non parametric kernel density method to construct the pricing model;use the Copula function to construct weather index insurance and income guarantee insurance;introduce the cost insurance and the price insurance.The goals are to rich cotton insurance product structure and make the basis of promoting the cotton industry and farmers income in Xinjiang.