摘要
以茶叶萌芽至展叶期寒冻害为突破口,利用1987—2016年福建省泉州市安溪县17个自动气象站2—4月的逐日气象数据及安溪各茶树种植区产量数据,确定茶叶寒冻害的天气指数保险气象指标,分析日极端最低气温与茶叶减产率的关系,建立了茶叶寒冻害指数模型。计算安溪不同区域茶叶种植区不同等级寒冻害的发生概率,应用纯保费率方法厘定了保险费率,并根据福建省政策性农业保险的实际情况,制定茶叶不同区域种植区寒冻害指数保险触发条件、赔付标准,设计了安溪县茶叶寒冻害天气指数保险合同。设计的茶叶寒冻害天气指数保险产品以客观气象数据作为定损依据,可以为茶农提供一种有效的风险转嫁方式,也为保险公司增加新险种提供了技术支撑。
By studying the cold and freezing damage to tea from budding period to leaf expansion period,this paper uses the day-by-day meteorological data of February to April from 17 weather stations from 1987 to 2016 in Anxi County and the yield data of various tea growing regions in Anxi to determine the meteorological indicators of cold and freezing damage to tea trees for index-based weather insurance,analyze the relationship between daily extreme low temperature and tea failure rate,as well as establish the cold and freezing damage index model of tea trees.Moreover,we calculate the incidence of cold and freezing damage of different severity in different tea growing regions in Anxi,apply the pure premium method to determine the premium,and based on the actual situation of policy-guided agricultural insurance in Fujian Province,formulate the compensation thresholds and compensation standards for cold and freezing damage insurance in different growing regions of tea trees and design the insurance contract for tea cold and freezing damage weather indexes in Anxi County.The designed insurance products based on tea cold and freezing damage weather indexes take the objective meteorological data as the loss assessment basis,first time in agricultural insurance and can serve as an effective risk transfer means for tea growers.Moreover,it provides technical support for insurance companies to develop new insurance products.
作者
汪春辉
陈治杰
陈家金
赵伯听
WANG Chunhui;CHEN Zhijie;CHEN Jiajin;ZHAO Boting(Fujian Meteorological Service Center,Fuzhou 350001)
出处
《气象科技》
2020年第1期141-146,共6页
Meteorological Science and Technology
基金
福建省科学与技术厅社会发展引导性(重点)项目(2018Y0002)
福建省气象局青年科技专项项目(2017Q11)资助.
关键词
天气指数保险
茶叶
寒冻害
纯保费率
index-based weather insurance
tea
cold and freezing damage
pure premium rate
作者简介
汪春辉,男,1984年生,硕士,工程师,主要从事气象数据挖掘与农业气象技术研究,Email:563531822@qq.com;通信作者:陈家金,Email:cjj8284@163.com
