The Corn Area Yield Insurance Risk Regionalization

As the country pay more attention on the three rural issues, agricultural insurance as a tool to protect the interests of farmers also draw more people’s attention. In2007,Shandong Province as the first batch of agricultural insurance pilot sites, carried out tests of the individual areas of policy insurance, and expand the scope of the study in2008, the Shandong Agricultural insurance is in full swing in recent years. However, along with the presence,the problem is also increasingly exposed. Because more complex agricultural risks involved in agricultural insurance so underwriting and claims are very difficult, but the crop area yield insurance can compensate for this lack, at the same times, good crop risk zoning and crop regional production premium rates are determined and the basis of established insurance terms. This article take this as a starting point, and do a detaile study on risk zoning of the area yield crop insurance. I hope this article can contribute to the crop area yield insurance.On the basis of the literature, this paper proposes the definition of crop area yield insurance, and say the significance of crop area yield insurance for farmers, agriculture even the whole country. This article also describes the specific crop area yield insurance claims conditions. On this basis, the paper describes the main risks for corn production in terms of climate, pest analysis, this is also one of the bases later in the index system established.The theoretical foundation of crop insurance risk zoning is Tuo Guozhu earliest proposed, and has been for China the majority of scholars respected.In this article also uses Tuo Guozhu about crop insurance risk zoning theoretical basis of the description, and on this basis, further contact of the21st century agriculture new features and promotes this theory.Corn area yield insurance risk zoning must first establish the index system. Rely on the theoretical basis of risk analysis and risk zoning corn production, the paper selects the coefficient of variation of maize yield efficiency index, yields decline in the proportion of the year, the index of scale irrigation and water conservancy facilities and so on nine climate status indicators established index system, and use factor analysis method to reduce the dimension of the indicators of farmland water conservancy factor, yields light temperature factor, area and precipitation factor. On this basis, uses the rapid clustering application cluster analysis of Shandong Province corn area yield insurance risk zoning. Finally, corn planting area in Shandong Province is divided into five areas:one area for higher risk areas mainly distributed in southwest Shandong areas; times of high risk areas, the distribution is more dispersed, multi-provincial boundary region of Shandong Province; three districts in risk areas, mainly in Northwest and Lu in the region, hilly and widespread; four districts of times low risk area, including all counties of Heze Taian, Linyi, and Rizhao parts; five areas as low-risk areas, mainly in parts of Yantai and Weihai.Finally, the partition results combined geographical, climatic and economic conditions of the district summary and analysis of the district, corn regional yield insurance of Shandong Province, as well as the country risk zoning of the area yield insurance work laid a foundation.