Design of a snow disaster weather——index insurance for alpine pastoral areas： A case study in Gannan

doi:10.11686/cyxb2020237

Abstract

Abstract:

As an innovative insurance product， weather-index insurance is widely accepted and used in the field of natural disaster risk prevention. Here， we propose a claim scheme for snow disaster weather-index insurance in the Gannan Pastoral Area， based on estimates of livestock mortality under different levels of snow disaster obtained from historical records. According to the mortality rate of livestock and the frequency of snow disasters， the pure premium rates of snow disaster weather-index insurance were determined to be 1.95% for cattle and 3.00% for sheep. The overall aim of this research is to offer a new approach for transferring snow disaster risk in pastoral areas in Gannan and to provide a theoretical reference for local government to optimize insurance in pastoral regions.

Key words: snow disaster weather-index insurance, premium rate, Gannan Pastoral Area

Fu-ning LI, Chang-sheng QIN, Xue ZHOU, Zeng TANG. Design of a snow disaster weather——index insurance for alpine pastoral areas： A case study in Gannan[J]. Acta Prataculturae Sinica, 2021, 30(6): 199-204.

Figures/Tables 5

References 13

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雪灾等级 Snow disaster level	致灾强度指标Disaster intensity index		雪灾危害表现 The damage of snow disaster
雪灾等级 Snow disaster level	积雪掩埋草场面积比 The area ratio of snow-covered meadow (%)	积雪持续日数 The duration of accumulated snow (d)	雪灾危害表现 The damage of snow disaster
轻灾Light disaster	≥80	4~6	正常放牧受到影响，膘情下降 Normal grazing is affected, the fatness of the livestock declined
中灾Moderate disaster	≥80	10~15	膘情较差的牲畜开始出现死亡The weak livestock begin to die
重灾Severe disaster	≥80	20~30	成畜等膘情好的牲畜开始死亡The robust livestock begin to die

雪灾等级 Snow disaster level	致灾强度指标Disaster intensity index		雪灾危害表现 The damage of snow disaster
雪灾等级 Snow disaster level	积雪掩埋草场面积比 The area ratio of snow-covered meadow (%)	积雪持续日数 The duration of accumulated snow (d)	雪灾危害表现 The damage of snow disaster
轻灾Light disaster	≥80	4~6	正常放牧受到影响，膘情下降 Normal grazing is affected, the fatness of the livestock declined
中灾Moderate disaster	≥80	10~15	膘情较差的牲畜开始出现死亡The weak livestock begin to die
重灾Severe disaster	≥80	20~30	成畜等膘情好的牲畜开始死亡The robust livestock begin to die

项目Item	牛Cattle	羊Sheep
R₁	0.3×0.3	0.6×0.3
R₂	0.7×0.15	0.8×0.15
R (%)	19.5	30.0

项目Item	牛Cattle	羊Sheep
R₁	0.3×0.3	0.6×0.3
R₂	0.7×0.15	0.8×0.15
R (%)	19.5	30.0