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农业保险的险种设置和农业保险的产量承保水平是农业保险条款的重要内容,直接影响农户对农业保险的需求程度。以小波分析为基本研究方法确定江苏农作物的趋势产量,计算常见七种农作物的产量变异系数;以非参数核密度估计方法拟合江苏稻谷的亩产量。实证分析结果表明:从江苏的农业保险试点来看,试点的险种偏少,主要是稻谷和小麦,而这两个险种在整个种植业品种中风险程度不高,分别位于风险程度最弱的第一位和第三位。江苏稻谷亩产量达到赔偿标准为减产“70%以上”的可能性极小,这样的承保水平对农户参加农业保险没有足够的吸引力。
The establishment of agricultural insurance and the level of underwriting of agricultural insurance are the important contents of agricultural insurance clauses, which directly affect the degree of demand of farmers for agricultural insurance. Using wavelet analysis as the basic research method to determine the trend yield of Jiangsu crops and calculating the coefficient of variation of yield for seven common crops. The non-parametric kernel density estimation method was used to fit the yield of rice in Jiangsu Province. The result of empirical analysis shows that from the pilot of agricultural insurance in Jiangsu, the pilot types of insurance are less, mainly rice and wheat, while the risk of these two types of insurance is not high in the whole crop varieties, One and three. Jiangsu rice mu yield reached compensation standards for the production of “70% ” is unlikely, such a level of insurance farmers participating in agricultural insurance is not enough attractive.