Design And Exploration Of High Temperature Weather Index Insurance Product Of Kiwifruit

Agrometeorological index insurance refers to taking one or several meteorological elements as trigger conditions(wind speed,rainfall,temperature,etc.),When the trigger condition is met,the insurance company will pay the insurance money to the insured according to the meteorological factor index whether the insured is affected or not.This insurance is an innovative product of agricultural insurance,which can effectively solve the technical problems of traditional agricultural insurance management and management.This paper enumerates and analyzes the development history and product features of meteorological indexes at home and abroad.By analyzing various meteorological factors affecting the growth of kiwifruit,the high temperature is finally locked to have a great impact on the quality and yield of kiwifruit.In recent years,the kiwi industry in pujiang has witnessed rapid economic development,but the economic loss of kiwi due to adverse meteorological factors is also on the rise,which has aroused great concern of the insurance industry.Therefore,under the guidance of pujiang government,kiwi weather index insurance products will be piloted in the local area in 2017,and the following results are obtained.1.In this paper,relevant meteorological data of pujiang county,sichuan province from 1987 to 2017 were selected.Together with the local meteorological bureau,agriculture and forestry bureau and insurance companies,the damage degree,disaster area and insurance purchase intention of kiwi fruit in previous years were discussed within the county.The amount of insurance received was investigated by200 questionnaires,the structural equation model was established,and the reliability and validity of the questionnaires were analyzed.The final KMO value was 0.857,indicating that the factor analysis method was applicable to the survey data.The test results showed that the questionnaire had a good validity and could reflect the research topic more accurately.2.The trend yield model was used to separate the kiwi meteorological yield,and the index pricing model was selected to establish the correlation between themeteorological yield and kiwi high temperature index.It can be seen that due to the backward planting technology,the influence of high temperature meteorological factors on kiwi fruit yield was also amplified in the early stage,and the average yield reduction rate of high temperature on kiwi fruit was obtained by means of meteorological yield.3.To determine the final settlement of insurance claims,the compensation amount per mu = the maximum compensation amount per mu * the standard coefficient of hierarchical compensation *(1--the absolute franchise)is calculated.Determine the maximum compensation amount per mu is 2000 yuan,determine the kiwi weather index insurance rate is 0.02,the absolute franchise is 20%.4.In the insurance pilot in 2017,the total insured area was 155 mu,and the relevant data issued by pujiang meteorological bureau was used to determine that the kiwifruit high-temperature meteorological index insurance products had market space in pujiang.