Estimating the insurance rates for loss of annual production of grass herbage associated with natural disasters in China
Estimating the insurance rates for loss of annual production of grass herbage associated with natural disasters in China
复制标题
中国自然灾害导致牧草年产量损失的保险费率估算
DOI：
10.1071/rj14040
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发表时间：
2015-04
影响因子：
1.2
通讯作者：
Bao, Yu-long
中科院分区：
文献类型：
--
作者：
Liu, Xing-peng;Zhang, Ji-quan;Cai, Wei-ying;Bao, Yu-long
中国许多地区的草原易受自然灾害的影响，这可能给牧民带来巨大的经济损失。保险作为一种有效的风险管理手段，已逐渐成为草原灾害管理的重要手段。由于草地牧草年产量统计数据不足，草地保险费率的制定成为草地保险的核心问题。以内蒙古锡林郭勒盟为研究区，通过分析不同植被指数与牧草年产量的相关性，分3个阶段估算了基于空间归一化植被指数（NDVI）的牧草年产量损失保险率：（i）每年八月中至下旬的非活跃指数是利用中分辨率成像光谱仪（MODIS）产品获得的，应用遥感数据和实测牧草质量之间的关系，估计牧草年产量，（ii）相对波动产量（RFP）根据牧草年产量的趋势和波动数据估计，（3）应用核密度估计法，以研究区各单元的RFP为基础，计算了牧草年产量损失的保险率。这种估算与自然灾害有关的牧草年产量损失的保险费率的方法可以提高牧民更有效地管理其草原的能力。
Grasslands in many parts of China are vulnerable to natural disasters which can bring large economic losses to pastoralists. As an effective method to manage the risk, insurance has gradually become an important means used in the management of grassland disasters. Because of insufficient statistical data on annual production of grass herbage, insurance-rate-making has become the core challenge in grassland insurance programs in China. Taking Xilingol League in Inner Mongolia as the study area, by analysing the correlations of different vegetation indices with annual production of grass herbage, a spatial Normalised Difference Vegetation Index (NDVI) based insurance rate was estimated for the loss of annual production of grass herbage in three steps: (i) the annual NDVIs in mid-to-late August were obtained using Moderate Resolution Imaging Spectroradiometer (MODIS) products and, applying a relationship developed between remote-sensing data and measured grass herbage mass, annual production of grass herbage was estimated, (ii) the Relative Fluctuation Production (RFP) was estimated from trend and fluctuating data on the annual production of grass herbage, and (iii) applying kernel density estimation, the insurance rate of loss of annual production of grass herbage was calculated based on the RFP in each cell of the study area. This approach to estimating the insurance rate for loss of annual production of grass herbage associated with natural disasters can improve the ability of pastoralists to manage their grasslands more effectively.
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影响因子：
3.1
作者：
Yichun Xie;Z. Sha;Mei Yu;Yongfei Bai;Lei Zhang
通讯作者：
Yichun Xie;Z. Sha;Mei Yu;Yongfei Bai;Lei Zhang
影响因子：
--
作者：
PARZEN, E
通讯作者：
PARZEN, E
影响因子：
3.4
作者：
Govaerts, YM;Verstraete, MM;Gobron, N
通讯作者：
Gobron, N
影响因子：
13.5
作者：
Huete, AR;Liu, HQ;vanLeeuwen, W
通讯作者：
vanLeeuwen, W
影响因子：
6.7
作者：
Hazell, Peter B. R.;Hess, Ulrich
通讯作者：
Hess, Ulrich