关键词: 保险, 干旱, 熵, 费率厘定

Abstract: Comprehensive indicator of drought risk was established based on the natural water deficit rate index，precipitation anomalies of the percentage rate，drought index and weight coefficients among them，which was used to assess plantingrisk of winter wheat in Tibet Linzhi region.In the meanwhile，regression equation was established based on winter wheat yield reduction rate and different drought index，and the highest coefficient of determination（R2=0.904，P<0.05）was between the yield per unit area reduction rate and comprehensive drought risk index.As the results，the modified pure premium under different security levels was calculated by using of nonparametric method，and the insurance premium rate model was established.The results showed that the standard for more than 80% of security level of farmers insured when correction of the pure insurance rate.Chayu was the highest fixed rate under the security level in 100%，95% and 90%，followed by Milin under the security level in 85% and 80%.The insurance company could pay the corresponding rates according to the insured farmers to select security level and planting area of winter wheat.

Key words: Insurance, Drought, Entropy, Ratemaking