Research And Design Of Peanut Weather Index Insurance

Shandong Province is a large agricultural province in China,and its agricultural added value ranks first in China.Peanut is an important economic crop in Shandong Province,with annual output ranking in the forefront of the country.Peanuts are grown in various cities in Shandong Province.The annual production of peanuts in the three cities of Jiaodong Peninsula—Yantai,Qingdao and Weihai-has occupied the top three in Shandong Province.However,due to the complex and variability of the monsoon climate,Shandong Province is also a province with a high frequency of natural disasters:60%of the precipitation is concentrated in summer,which is prone to floods;the little rainfall in winter and spring is easy to induce drought,and the impact on agricultural production is very high.In order to ensure the smooth progress of agricultural production and protect the vital interests of farmers,Shandong Province has done a lot of work,and the agricultural insurance that protects the"three rurar"has also been greatly supported.Judging from the current development of agricultural insurance,the drawbacks of traditional agricultural insurance are gradually exposed,and it is no longer able to adapt to the agricultural production of Shandong Province,where the scale is expanding and the degree of specialization is increasing.The weather index insurance has emerged.Taking the peanut production situation of Yantai City,Qingdao City and Weihai City in Shandong Province as an example,this paper draws on the successful research experience of domestic and foreign weather index insurance products design on the basis of summarizing the previous research results.Peninsula Peanut Weather Index Insurance Products.Firstly,the main meteorological disasters faced by peanut growth in Jiaodong Peninsula were identified,and the peanut drought index and flood index of Jiaodong Peninsula were constructed.Then,the polynomial regression method was used to fit the peanut trend yield in Jiaodong Peninsula,and the actual yield and trend yield were separated to obtain climate yield and Calculate the yield reduction of peanuts due to changes in weather conditions;determine the relationship between drought index and flood index and peanut yield reduction in Jiaodong Peninsula through panel data model,and eliminate the growth period index that does not meet the actual situation;calculate Jiaodong The trigger value,exit value and compensation value of the peanut index during the whole growth period of the peninsula and the flood insurance index of the flowering period;finally,the distribution fitting method was used to determine the drought index insurance and the needle flooding index of the peanut market in the three cities of Jiaodong Peninsula.The pure rate of insurance,the design of the peanut weather index insurance for the Jiaodong Peninsula was completed.This paper hopes to build a practical and effective agricultural insurance product,supplement the traditional agricultural insurance products and make up for the shortcomings of traditional agricultural insurance products.The full text is divided into five parts.The first part introduces the research background and research significance of the article,summarizes the research results at home and abroad.The second part expounds the general situation of weather index insurance from four aspects,paving the way for the design of peanut weather index insurance products in Jiaodong Peninsula.The third part introduces the research area,and points out the data sources and research methods of the empirical part.The fourth part is to design the peanut weather index insurance of Jiaodong Peninsula.It is divided into the construction of peanut weather index of Jiaodong Peninsula,the relationship between peanut meteorological disaster index and peanut yield reduction in Jiaodong Peninsula,the calculation of the trigger value,exit value and compensation value,and the determination of weather index insurance pure rate.The fifth part is the conclusion and prospect.It summarizes the research results and conclusions of this paper and points out the shortcomings in it.