Scheme of Weather-Based Indemnity Indices for Insuring Against Freeze Damage to Citrus Orchards in Zhejiang, China

We design a weather-based indemnity index for the insurance against freeze damage to citrus orchards so as to provide technological support for the development of policy-based agriculture. The indices are prepared by separating a relative meteorological yield from the yield that is dependent on tree age, high-yield and low-yield years, and environmental factors, and then using a risk assessment scheme to determine the percentage yield reduction due to the meteorological hazard. We thus develop a set of indices associated with cold temperature damage with which to construct more severe weather indices in conjunction with the yield percentage decrease. We then combine the insured regional citrus yield index with the insured meteorological counterpart to obtain a weather-based indemnity index for the varying degree of freeze damage to crops. When the freeze damage index (FDI) is greater than -7.0℃ for the coastal belt of Zhejiang Province, China, or greater than -9.0℃ for other regions of Zhejiang, weather-based indemnity index (WBII) is zero, meaning there is no compensation; when the FDI is from -7.0 to -7.9℃ for the coastal belt or from -9.0 to -9.9℃ for other regions, the WBII is 1 with 50% compensation; when the FDI is from -8.0 to -8.9℃ for the coastal belt or from -10.0 to -10.9℃ for other regions, the WBII is 2 with 70% compensation; and when the FDI is less than -9.0℃ for the coastal belt or less than -11.0℃ for other regions, the WBII is 3 with 90% compensation. The weather indemnity indices of insured orchards are developed in the interest of owners, thereby eliminating adverse selection and moral hazard issues and providing timely recompense from the insurer, and resolving the problem of high indemnity cost in agricultural insurance.

作 者： LOU Wei-ping QIU Xin-fa WU Li-hong NI Hu-ping TANG Qi-yi MAO Yu-ding   作者單位： LOU Wei-ping(Department of Atmospheric Science, Nanjing University of Information Science & Technology, Nanjing 210044, P.R.China;Xinchang Weather Bureau, Xinchang 312500, P..R. China)

QIU Xin-fa(Department of Atmospheric Science, Nanjing University of Information Science & Technology, Nanjing 210044, P.R.China)

WU Li-hong,MAO Yu-ding(Zhejiang Provincial Climate Center, Hangzhou 310017, P.R. China)

NI Hu-ping(Division of Comprehensive Reform, Development and Reform Commission of Zhejiang Province, Hangzhou 310025, P.R. China)

TANG Qi-yi(College of Agriculture and Biotechnology, Zhejiang University, Hangzhou 310029, P.R.China) 

刊 名： 中國農業科學（英文版）  英文刊名： AGRICULTURAL SCIENCES IN CHINA  年，卷(期)： 2009 8(11)  分類號： S1  關鍵詞： citrus orchard   freeze damage   agricultural insurance   weather-based indemnity index  

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