Comparison of Methods for Determining Pure Risk Loss Rate of Agricultural Income Insurance:A Case Study of Henan Wheat
This paper briefly introduces various methods in the process of determining the pure risk loss rate of agricultural income insurance,and analyzes the applicability of different methods by taking Henan wheat as an exam-ple.The results show that the linear moving average method can separate the trend well.In terms of distribution fitting,compared with the nonparametric method,the parametric method can better capture the distribution characteristics un-der small samples.The mix-Copula can integrate the characteristics of different single copulas,and can greatly im-prove the fitting effect of joint distribution.Finally,this paper suggests accelerating the establishment of data monitoring system,using zoning and other risk areas,and considering more complex Copula methods to increase the accuracy of pricing.
Agricultural income insurancepure risk loss ratedistribution fittingMonte Carlo simulationCopulas
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