论文部分内容阅读
农业保险属于政策性保险的范畴,科学、合理地厘定保费有助于完善农业保险制度、健全农业保障体系。本文先从保费厘定的原理出发,探讨了保单中的重要参数(起赔标准、免赔率、赔付金额)对保费厘定的影响,并且立足于农户的利益,探索参数设置的合理方法。而后将所有理论成果应用于山东省政策性棉花产量保险中,使用参数模型法进行保费厘定,分析现行的政策性保险制度是否合理。
Agricultural insurance belongs to the category of policy insurance. Determining premium premium scientifically and reasonably will help improve the agricultural insurance system and improve the agricultural security system. Based on the principle of premium determination, this paper explores the impact of the important parameters of the policy (the standard of compensation, the deductible, the amount of compensation) on the determination of premiums. Based on the interests of farmers, this paper explores the reasonable method of parameter setting. Then all the theoretical results are applied to the policy-based cotton yield insurance in Shandong Province, and the parameter model method is used to determine the premiums. It is reasonable to analyze the current policy insurance system.