中文摘要：

在农作物保险费率厘定当中，期望损失是影响纯费率准确性的关键因素，因此在不同的产量分布下会出现不同的纯费率，本文使用四种参数方法与一种非参数方法，共五种分布对湖北省78个县市①的油菜单产保险纯费率进行厘定，发现不同分布下厘定的费率明显不同，并采取定性与定量相结合的方法对五种分布拟合的效果做出评价。

英文摘要：

According to rate making methods of crop insurance contracts, the expected loss is a crucial element af- fecting accuracy of pure premium rate. So the different production distribution would result in different pure premi- um rates. This paper applies five distributions, including four parametric methods and one non-parametric method, to calculate pure premium rates of rapeseed yield insurance contracts in 78 counties and cities of Hubei provinces. The results demonstrate that pure premium rate distinctly varies under different distributions. Also, this paper eval- uates effects of five yield distributions through qualitative and quantitative analysis.