中文摘要：

我们为保险设计一个基于天气的保护索引对冻结损坏到柠檬果园以便为基于政策的农业的发展提供技术支持。这些索引被把相对气象学的收益与依赖于树年龄，产量很高、低收益的年，和环境因素的收益分开准备，然后使用一个风险评价计划由于气象学的危险决定百分比收益减小。我们因此开发与与收益百分比减少一起构造更严重的天气索引的冷温度损坏联系的一套索引。我们然后把保险地区性的柠檬收益索引与保险气象学的对应物相结合为变化的度获得一个基于天气的保护索引冻结损坏到庄稼。当 freeze 损坏索引(FDI ) 比大时 ? 为浙江省的沿海的带的 7.0 ° C，中国，或比大 ? 为浙江的另外的区域的 9.0 ° C，基于天气的保护索引(WBII ) 是零，在那里的意思不是赔偿；当 FDI 从时 ? 7.0 到 ? 为沿海的带或从的 7.9 ° C ? 9.0 到 ? 为另外的区域的 9.9 ° C， WBII 与 50% 赔偿是 1；当 FDI 从时 ? 8.0 到 ? 为沿海的带或从的 8.9 ° C ? 10.0 到 ? 为另外的区域的 10.9 ° C， WBII 与 70% 赔偿是 2；并且当 FDI 是不到 ?时为沿海的带或不到 ?的 9.0 ° C 为另外的区域的 11.0 ° C， WBII 与 90% 赔偿是 3。保险果园的天气保护索引为了主人被开发，从而消除不利选择和道德的危险问题并且提供及时从保险公司酬报，并且在农业保险解决高保护费用的问题。

英文摘要：

We design a weather-based indemnity index for the insurance against freeze damage to citrus orchards so as to provide technological support for the development of policy-based agriculture. The indices are prepared by separating a relative meteorological yield from the yield that is dependent on tree age, high-yield and low-yield years, and environmental factors, and then using a risk assessment scheme to determine the percentage yield reduction due to the meteorological hazard. We thus develop a set of indices associated with cold temperature damage with which to construct more severe weather indices in conjunction with the yield percentage decrease. We then combine the insured regional citrus yield index with the insured meteorological counterpart to obtain a weather-based indemnity index for the varying degree of freeze damage to crops. When the freeze damage index （FDI） is greater than -7.0℃ for the coastal belt of Zhejiang Province, China, or greater than -9.0℃ for other regions of Zhejiang, weather-based indemnity index （WBII） is zero, meaning there is no compensation; when the FDI is from -7.0 to -7.9℃ for the coastal belt or from -9.0 to -9.9℃ for other regions, the WBII is 1 with 50% compensation; when the FDI is from -8.0 to -8.9℃ for the coastal belt or from -10.0 to -10.9℃ for other regions, the WBII is 2 with 70% compensation; and when the FDI is less than -9.0℃ for the coastal belt or less than -11.0℃ for other regions, the WBII is 3 with 90% compensation. The weather indemnity indices of insured orchards are developed in the interest of owners, thereby eliminating adverse selection and moral hazard issues and providing timely recompense from the insurer, and resolving the problem of high indemnity cost in agricultural insurance.