Hunan Weather Index Insurance Demand Willingness Survey And Product Pricing Scheme Design

With the global economic prosperity,the use of fossil fuels such as coal and oil,causing huge emissions of greenhouse gases contribute to climate warming,with extreme high temperature,such as typhoon,drought and flood in recent years,which mainly in the form of high frequency of extreme weather in our country(an agricultural country)agricultural production stability is related to national economic development,social stability and harmony,and the inhabitants of the trickle home,how the frequent extreme weather conditions to ensure the normal operation of agricultural production,the emergence of new weather index insurance risk transfer products,effectively make up for the traditional agricultural risks increasingly broke out the risk of moral hazard,adverse selection and high operating costs,which offers a new way for the development of China's agricultural.This study aims to use the insurance product price and linkage between the relevant knowledge of weather and ramie production,through field research of hunan peasant household and the empirical analysis about the weather index insurance demand,proposed a method of Hu nan ramie weather index insurance product design,provide local ramie planting and production with new channels of risk transfer,active agricultural insurance market at the same time,improvin the efficiency of agricultural risk management,safeguard of ramie farmers income and the stable development of the industry production.In this paper,design method and process about the weather index has general applicability,while the regions are different,but the method can be for reference,the final purpose is for weather index insurance development in our country,the promotion of the pilot and development to provide the reference.This paper has five chapters.The first chapter mainly introduces the research background and significance,summarizes the research results of the relevant weather index insurance at home and abroad and the research purpose and contents of this paper.The second chapter is ruanjiang of hunan province peasant household questionnaire on the spot investigation,using the relevant data on the influence factors of farmers weather index insurance purchase intention by using the logistic regression model analysis,the study found that: the cultivated land area,the degree of disasters years crop,weather events the correlation between crop yield and credibility of insurance companies,farmers,farmers demand for insurance products price subsidies degrees were positively correlated with the weather index demand,production of risk types and negatively correlated with the weather index insurance demand.The third chapter for the weather index insurance product case and draw lessons from abroad,by developing countries such as Ethiopia,India,Malawi,weather index insurance product analysis and study on the development status of application of a description to the current weather index insurance development in our country to gain enlightenment and experience.The fourth chapter mainly introduces the basic principles of the design of weather index insurance products and the main pricing methods,namely the actuarial pricing,the derivative pricing method and the no-difference pricing method.In this paper,the design of the weather index insurance products of hunan ramie weather index is discussed,and the steps and methods of product design are briefly introduced.The fifth chapter summarizes the full text and puts forward relevant Suggestions based on the research and development of weather index insurance products.