安徽省夏玉米干旱天气指数保险产品设计及应用

杨太明; 许莹; 孙喜波; 张建军

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DOI:10.7519/j.issn.1000-0526.2016.04.008

气象:2016,42(4):450-455

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安徽省夏玉米干旱天气指数保险产品设计及应用

杨太明¹, 许莹¹, 孙喜波², 张建军²

(1.安徽省农业气象中心，合肥 230031 农业气象灾害评估与风险转移实验室，合肥 230031;2.国元农业保险公司，合肥 230031)

Design and Application of the Drought Weather Index Insurance of Summer Corn in Anhui Province

YANG Taiming¹, XU Ying¹, SUN Xibo², ZHANG Jianjun²

(1.Agricultural Meteorological Centre of Anhui Province, Hefei 230031 Agricultural Meteorological Disaster Assessment and Risk Transfer Laboratory, Hefei 230031;2.Guoyuan Agricultural Insurance Company, Hefei 230031)

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投稿时间：2015-11-06 修订日期：2016-02-24

中文摘要: 利用安徽省夏玉米种植区15个农业气象观测站点1971—2010年的逐日降水资料并结合区域夏玉米抽雄—乳熟期 (产量形成关键期)的降水距平与夏玉米干旱减产率进行分析，建立了干旱天气指数模型。提出夏玉米干旱的保险赔付标准，并利用各市(县)的干旱风险评估结果修订干旱天气指数保险费率，最终得到各地区的夏玉米干旱天气指数保险产品。将设计的保险产品在安徽省淮北市濉溪县试验应用，该产品可以基本反映实际夏玉米干旱风险状况，有助于农业保险公司客观、快捷地提供农业灾害的经济补偿。

中文关键词: 夏玉米，干旱，天气指数，保险

Abstract:In order to establish the drought weather index insurance model of summer corn, this paper analyzed the relationship between the precipitation anomaly from the male stage to the ripening stage (critical period of yield formation ) and historical yield loss based on the 1971-2010 daily precipitation data from 15 agrometeorological observation stations, proposed the standard of insurance claims of summer corn drought, and then revised the insurance rate using the result of drought risk assessment. The drought weather index insurance products of summer corn were obtained and later the insurance products were applied in Suixi County of Huaibei City, Anhui Province as an experiment. The results show that the application of weather index insurance product can basically reflect the actual drought risk of summer corn， and objectively and quickly provide the economic compensation of agricultural disaster.

keywords: summer corn, drought, weather index, insurance

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基金项目:国家自然科学基金面上项目(71473127)、国家科技支撑计划课题(2012BAD04B09)和安徽省科技攻关项目(1501031078)共同资助

作者	单位
杨太明	安徽省农业气象中心，合肥 230031 农业气象灾害评估与风险转移实验室，合肥 230031
许莹	安徽省农业气象中心，合肥 230031 农业气象灾害评估与风险转移实验室，合肥 230031
孙喜波	国元农业保险公司，合肥 230031
张建军	国元农业保险公司，合肥 230031

Author Name	Affiliation
YANG Taiming	Agricultural Meteorological Centre of Anhui Province, Hefei 230031 Agricultural Meteorological Disaster Assessment and Risk Transfer Laboratory, Hefei 230031
XU Ying	Agricultural Meteorological Centre of Anhui Province, Hefei 230031 Agricultural Meteorological Disaster Assessment and Risk Transfer Laboratory, Hefei 230031
SUN Xibo	Guoyuan Agricultural Insurance Company, Hefei 230031
ZHANG Jianjun	Guoyuan Agricultural Insurance Company, Hefei 230031

引用文本：
杨太明,许莹,孙喜波,张建军,2016.安徽省夏玉米干旱天气指数保险产品设计及应用[J].气象,42(4):450-455.
YANG Taiming,XU Ying,SUN Xibo,ZHANG Jianjun,2016.Design and Application of the Drought Weather Index Insurance of Summer Corn in Anhui Province[J].Meteor Mon,42(4):450-455.