关键词: 病虫害保险, 气象因子, 病虫害气象指数, 产量损失

Abstract:

Pests and diseases are one of the important disasters in China. In order to solve the limitation of design and operation of existing pests and diseases insurance products, such as fuzzy definition of insurance liability, different setting points, moral hazard, adverse selection and so on, the authors put forward a new idea of using the meteorological index insurance for pests and diseases risk management, which can be summarized as the following four parts: acquisition and collation of data, determination of the production reduction caused by pests and diseases, the selection of meteorological factors of pests and disasters and the construction of index, and the affirmance the pure rate of insurance. In the future, in the study of meteorological index insurance for crop pests and diseases, we should strengthen the cooperation among meteorology, plant conservation, insurance and agronomy, and other interdisciplinary fields, scientifically quantify the production reduction caused by pests and diseases, and pay attention to the information exchange between the government, the insurance company and the farmers.