| 刊名 | Meteorological and Environmental Research |
| 作者 | Jie GUO1*, Rongrong LI2, Gang XING1, Jingjun HE1 |
| 作者单位 | 1.Anze County Meteorological Bureau, Anze 042500, China; 2. Quwo County Meteorological Bureau, Quwo 043400, China |
| DOI | 10.19547/j.issn2152-3940.2026.02-03.01 |
| 年份 | 2026 |
| 刊期 | 3 |
| 页码 | 1-4 |
| 关键词 | Freezing injury; F. suspensa; Meteorological index; Insurance product |
| 摘要 | Based on the meteorological disaster data of low-temperature freezing damage from the results of the First National Comprehensive Natural Disaster Risk Survey in Anze County, and meteorological and freezing damage data in freezing damage events during the flowering period of F. suspensa from 2018 to 2025, the critical value of freezing damage during the flowering period of F. suspensa in Anze County was determined through analysis and research. Moreover, a freezing damage index was established based on the critical temperature and duration of freezing damage. By utilizing the freezing damage index and yield reduction rate, a disaster damage assessment model was established, and the expected value of historical payout rate was used as the pure insurance premium rate. The design of freezing damage insurance product for F. suspensa flowering period was completed, providing technical support for insurance companies to formulate scientific and reasonable pure insurance premium rates for agricultural meteorological disasters and carry out insurance work. |
