Abstract:

【Objective】 The objective of this research was to design weather-based indemnity indices for paddy rice heavy rain damage insurance and to provide technology for policy-guided agricultural insurance. 【Method】 Based on the relationship between yield loss rate of paddy rice caused by heavy rain and meteorology factors and land surface factors, a model of yield loss rate of paddy rice caused by heavy rain was established. With the GIS technology, yield loss rate in a variety of complex terrain was determined. Weather-based indemnity indices for paddy rice heavy rain damage insurance was designed based on the advantage of area yield crop insurance and weather index insurance which refined to a village and a group of villagers level. 【Result】Weather-based indemnity indices for paddy rice heavy rain damage insurance was defined for a village and a group of villagers. With the data, including processes of different typical rainfall and Krosa typhoon (No.0716), the model of single-cropping rice yield loss rate caused by heavy rain was estibalished. The results showed that this model was valid to simulate the distribution of yield loss rate of single-cropping rice sufferring the heavy rian disaster in complicated terrain and could supply a highly believable standard evaluation about the heavy rain disaster loss of single cropping rice. When the yield loss rate of a single-cropping rice with the model was not bigger than 30%, both the index of indemnity and the indemnity ratio were zero. However, as the yield loss rate was bigger than 30%, both the index of indemnity and the indemnity ratio were equal to the yield loss rate. 【Conclusion】 Based on the precipitation and wind speed, the model of single-cropping rice yield loss rate caused by heavy rain could calculated the yield loss rate of single-cropping rice sufferring the heavy rian disaster in the villages of Yuhang. The weather-based indemnity indices was designed in combination with the advantages of area yield crop insurance and weather index insurance. To some extent, it was helpful to eliminate the malady of traditional agricultural insurance at present in China.

Key words: paddy rice, heavy rain damage, agricultural insurance, weather-based indemnity indices, design