농작물재해보험 할인･할증시스템의 적정성 분석

• 영문명: Measuring the Adequacy of Bonus-Malus System in Crop Insurance
• 발행기관: 한국농식품정책학회
• 저자명: 김성섭(Kim, Seongsup) 김태후(Kim, Taehoo) 서상택(Seo, Sangtaek)
• 간행물 정보: 『농업경영.정책연구』농업경영·정책연구 47권 2호, 204~224쪽, 전체 21쪽
• 주제분류: 농수해양 > 식품과학
• 파일형태: PDF
• 발행일자: 2020.06.30

영문 초록

This study sets up a Bonus-Malus System (BMS) in Korean crop insurance to resolve a double loaded penalty in current BMS. The BMS in this study adopts the model suggested by Frangos and Vrontos (2001) with Bayes’ theorem, where initial premium rate is determined by prior distribution but is updated with the loss experience by individual farmers with lapse of time. The concept of fairness suggested by Heras, Vilar and Gil (2002) is adopted to support the BMS developed. For the study, crop insurance data including premium, indemnity and frequency of occurrence provided by NH Property & Casualty Insurance Corporation (the insurer) are used. Among the crops insured only apple and pear are chosen because the two crops have the longest history of crop insurance and ranks the highest insured rate during the program period.

목차

Ⅰ. 서 론

Ⅱ. 농작물재해보험의 현행 보험료율 체계

Ⅲ. 분석모형 및 자료

Ⅳ. 분석결과

Ⅴ. 결 론

참고문헌

키워드

Crop Insurance Optimal Bonus-Malus Systems Bayes’ Theorem Individual Fairness Global Sufficiency