Designing weather index insurance of crops for the increased satisfaction of farmers, industry and the government
Designing weather index insurance of crops for the increased satisfaction of farmers, industry and the government
复制标题
设计农作物天气指数保险，以提高农民、行业和政府的满意度
DOI：
10.1016/j.crm.2019.100189
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发表时间：
2019
影响因子：
4.4
通讯作者：
Kolli N. Rao
中科院分区：
文献类型：
--
作者：
P. Shirsath;S. Vyas;P. Aggarwal;Kolli N. Rao
基于天气的作物保险是稳定农民收入的有力工具，它提供与天气参数直接相关的及时赔付。然而，其表现可能会受到错误设计的影响，导致高基差风险和支出不足。本文提出了一种基于天气的保险合同设计的新方法，并在印度进行了现场测试。通过结合农业气象统计分析，作物生长建模和优化技术，启发式模型的开发，产生上级合同设计，产生更好的和频繁的支付，没有额外的补贴成本（在保险费率方面）。研究还提出了“农民满意度指数”作为一个强有力的评估工具，在确定保险产品的有效性，通过测量的基础风险。该方法是支持实施所提出的模型在印度的马哈拉施特拉邦的许多地区的结果。拟议的合同比现有的保险合同表现更好，大豆和珍珠粟的农民满意度指数分别提高了50%和72%，同时增加了赔付与产量损失的相关性，降低了整体损失成本比。选定的触发因素有效地捕捉了重要作物生长阶段的气候风险。这些结果与100年合成气候数据的长期时间序列评估的支出一致。研究结果表明，使用推荐的方法可以提高农民，保险公司和政策制定者的满意度。
Weather-based crop insurance is a powerful tool for stabilizing farmers’ income by providing timely payouts directly linked with weather parameters. However, its performance can be marred by faulty design, leading to high basis risk and insufficient payouts. This paper presents a new methodology for contract design for weather-based insurance, field tested in India. By combining agro-meteorological statistical analysis, crop growth modelling and optimization techniques, a heuristic model is developed which generates superior contract design which yields better and frequent payouts at no extra cost of subsidies (in terms of premium rates). The study also presents ‘Farmer Satisfaction Index’ as a powerful evaluation tool in determining the effectiveness of insurance products through measurement of basis risk. The method is backed by results from implementing the proposed model in many districts of Maharashtra, India. The proposed contract performed better than the existing insurance contract with 50 and 72 percent increase in Farmers Satisfaction Index for Soybean and Pearl Millet, while increasing correlation of payouts with yield losses and reducing the overall loss-cost ratio. Selected triggers effectively captured climatic risks in important crop growth phases. These results were consistent for pay-outs evaluated for long-term time series of 100 years of synthetic climate data. Findings indicate the use of recommended approach can lead to increased satisfaction of farmers, insurers and policymakers alike.
对天气指数保险的补贴是公共资金的最佳利用吗？
影响因子：
6.6
作者：
Ricome A
通讯作者：
Ricome A
影响因子：
4.8
作者：
Arnell, N. W.;Brown, S.;Zelazowski, P.
通讯作者：
Zelazowski, P.