Product Design Of Apple Low Temperature Freezing Injury Index Insurance

Ours is a traditional agricultural country，natural disasters，and there is a variety， awide range of impact deep，strong regional，seasonal and concentration risk and othercharacteristics. According to statistics，the loss of our natural disasters accounted for70percent of disaster losses，China has become one of the most serious natural disaster affectedcountries in the world. Since2004，China actively promote agricultural insurance policy，but limited to the traditional drawbacks of policy agricultural insurance，agriculturalinsurance appears our situation，the insurance company underwriting far，farmers reluctantto join the guarantee".Although there are strong support and financial subsidies the country，but our natural disaster natural disaster insurance compensation only about3%of the totalloss，the new agricultural insurance proposed imminent.In this paper， methods of quantitative analysis and qualitative analysis， andcomprehensive analysis of Shandong Province in the Apple calendar year suffering fromdisasters and production base，according to the yield of each apple fruit Yantai Districtselection for the study，with the help of econometric analysis software， qualitative theinfluence of temperature，hurricanes storms and drought on apple production in the processof determining the relative trends in production and gradually affect the nutritional isolatedyield， management level and other meteorological disasters on trends in production，tofinalize the cold weather affecting major apple production disasters，and subsequentlycalculate the linear relationship of hypothermia and trends between yield and acreage，butalso to determine the freezing cold apple index，and low-temperature damage indexrationality test method to determine the distribution of the final use of the apple yields lowindex insurance product design rates and insurance contracts.In this paper，a total of six chapters.The first chapter introduces the research backgroundand significance of the research results at home and abroad as well as the contents andmethods of this article：Chapter II Foreign Agricultural Meteorology index insurance productdesign and practice，the first weather index insurance products to the general design of thesteps in this chapter interpretation，and subsequently highlights the weather index insuranceproducts overseas practice and exploration，including the development of history，currentsituation and try to find the least developed countries and other developing countries; Chapter III of the domestic agricultural weather index insurance cases and learn from this chapter ismainly for our country are more effective products to try，were cited Anhui weather indexinsurance and rice planting area in Shaanxi apple flowering fruit freezing index insurance，and the practice of these two indices of insurance products were analyzed finally explain theirpractical significance; Chapter IV as a single factor weather index insurance product designprinciples and techniques，this chapter introduces the single factor of weather indexinsurance product design and development of concrete steps; Shandong Province for theconstruction of the fifth chapter of Apple ’s cold weather index insurance products，firststudy selection and data on access to the destination will be explained，followed in order todetermine trends in production，relative meteorological yield，low-temperature separationfactor，cold weather index build and test their rationality，and subsequently Apple coldweather index insurance rates determined using the yield distribution finalize insurancecontracts; sixth chapter is the conclusion conclusions and research prospects，this chapter ofthe main findings and conclusions of this paper comprehensively，but also made on paper forimprovement.