| 摘要: |
| 同一的保险费率容易引发农业保险的道德风险和逆向选择问题，因此，对不同区域进行风险区划已经成为解决该类问题的重要举措之一。本文基于实际损失，搜集2000年以来的安徽省各市农业数据，选取单产变异系数、受灾超过10%与20%的概率、平均受灾率和平均绝收率五个指标，采用系统聚类法进行聚类，并对相关结果进行讨论，以期得到的研究结论对实际的农业保险的研究和开展做出贡献。 |
| 关键词: 聚类法 农业保险 安徽省 风险区划 |
| DOI： |
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| Empirical Research on Agricultural Insurance Risk Zonation Based on Clustering Method |
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ZHENG Jun, YUAN Shuai shuai
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| Abstract: |
| The same premium rate is apt to cause the moral hazard and adverse selection problem, therefore, risk zonation for different areas becomes an important measurement to solve this kind of problem. Collecting agricultural data from all municipalities of Anhui since 2000, based on actual loss, this paper selects five index including the coefficient of variation per unit yield, probability of 10% and 20% damage, average damage rate and the rate of total crop failure, cluster by the system clustering method and analyzes the results so as to make contributions to agricultural insurance research and application. |
| Key words: clustering method agricultural insurance Anhui Province risk zonation |
