河西东部日光温棚气象灾害保险理赔指数设计

摘要

Our study is based on the daily meteorological data from 1980 to 2014 and combined with typical meteorological events for sunlight greenhouse in Eastern Hexi Corridor.Screening out windstorm,low-temperature-freezing and poor-sunshine according to three kinds of meteorological disasters,with the disaster layout design area of mild,moderate,severe and large threshold,using entropy theory to assess the degree of different levels of risk, design inside and outside greenhouse payout index and agreed payment standard in different growth stages.At the same time,insurance products are used in the test base,and the results obtained are PICC recognition.The index can not only objectively,fast and transparent provides compensation for damage and also to fill the greenhouse in-dex insurance research gaps can be used as pilot projects to promote agricultural insurance.%利用河西东部1980－2014年逐日气象数据并结合区域日光温棚典型气象事件，筛选出大风、低温、寡照三种气象灾害，按照灾害布局设计区域性轻度、中度、重度、特大阈值指标，用熵权理论评判不同级别的风险度，设计棚内外赔付指数并约定不同生育期兑付标准。将气象灾害指数与区域农业保险实际赔付进行显著性比对，同时将保险产品应用于试验基地，其结果得到人保财险认可。该指数不仅能够客观、快捷、透明性地提供受损补偿，还填补了温棚指数保险研究空白，可作为农业保险试点推广。