Diseño de seguros ganaderos paramétricos satelitales de tipo catastrófico: implementación operacional en México.

IF 0.3 Q4 AGRONOMY
Fernando Paz Pellat, Martínez Bolaños, Fermín Pascual Ramírez, J. Escamilla, M. Cuesta, José Inés Zuñiga
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引用次数: 0

Abstract

The operational implementation of schemes for climate risk management, primarily insurance products, is an option to mitigate the effects of climate change and make efficient use of financial resources at regional and country levels. In this study the operational experience in implementing parametric insurance products in Mexico, based on the conceptual-theoretical development of the implementation framework, is presented. Parametric design of livestock insurance satellite products is based on the relation Bm = kVI, where Bm is the total aerial biomass, VI is a spectral vegetation index and k is an empirical constant. To achieve this relationship, a linear relationship between the spectral index NDVIcp and the Bm, which becomes the index IVCP (1/NDVIcp) is used. The advantage of using the transformed 1/NDVIcp index is having linear patterns over time, which can be used for parameterization in operational terms. This development is discussed by using an algorithmic approach that considers the parameterization of vegetation growth curves, index 1/NDVIcp, for the AVHRR sensor. It also presents the operational experience of implementation in Mexico and validation campaigns are included. From operational experience, it is concluded that, in a complete cycle, even if the scheme developed reduces the basic risks associated with the use of short periods of insurance, the problem of growth cycle lags remains, constituting an inherent restriction when considering the beginning and end date of parametric insurance cover. Recommendations are given to improve the insurance products.
灾难性卫星参数化牲畜保险设计:在墨西哥的操作实施。
气候风险管理计划(主要是保险产品)的业务实施是减轻气候变化影响并在区域和国家一级有效利用财政资源的一种选择。在本研究中,基于实施框架的概念-理论发展,介绍了墨西哥实施参数化保险产品的操作经验。畜禽保险卫星产品参数化设计基于Bm = kVI关系,其中Bm为航空总生物量,VI为光谱植被指数,k为经验常数。为了实现这种关系,利用光谱指数NDVIcp与Bm之间的线性关系,成为指数IVCP (1/NDVIcp)。使用转换后的1/NDVIcp索引的优点是具有随时间变化的线性模式,可用于操作方面的参数化。这一发展是通过使用一种算法方法来讨论的,该算法考虑了AVHRR传感器的植被生长曲线的参数化,指数1/NDVIcp。它还介绍了在墨西哥实施的操作经验,并包括验证活动。从业务经验来看,得出的结论是,在一个完整的周期内,即使制定的计划减少了与使用短期保险有关的基本风险,增长周期滞后的问题仍然存在,在考虑参数保险的开始和结束日期时构成固有的限制。提出了完善保险产品的建议。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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来源期刊
Terra Latinoamericana
Terra Latinoamericana Environmental Science-Ecology
CiteScore
1.10
自引率
0.00%
发文量
49
审稿时长
16 weeks
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