关键词: 农业风险,成灾率,风险区划,农业保险

Abstract: The regional relevancy of the flood and drought disaster areas is easy to be confronted with the systematic risks of disaster compensation, so that the solvency and sustainable operation of agricultural insurance will be influenced. In order to prove whether there is the problem of regional relevancy in China’s agricultural flood and drought disaster areas, this paper collects the data of damage ratio of flood and drought in the major crop producing areas from 1978 to 2009 and calculates them on the Pearson correlation coefficient matrix. The study finds that the 12 major crop producing regions can be divided into 4 agricultural risk regions according to the relevant degrees of disaster; in the risk regions, flood and drought disasters are highly correlated, while between the risk regions, it is not or weakly related. In order to prevent and resolve the adverse effects of the regional correlation of flood and drought disasters on the operation of agricultural insurance, this paper puts forward some countermeasures, such as the intra-regional cooperation of the actuarial and damage assessment technology of agricultural original insurance, the intra-regional standardization of agricultural reinsurance, and the inner-regional exchange of agricultural flood and drought disaster risks.

Key words: agricultural risks; damage ratio; regional division of risks; agricultural insurance