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对农作物保险的经营来说,通过危险单位区划,对农作物面临的自然风险进行了风险的识别和范围划分,这就为在空间、时间上科学合理地确定经营规模提供了理论依据。在危险单位区划的基础上,保险人就可以按不同危险单位内的风险强度进一步划分风险区域,进而选择适当的技术方法计算不同风险区域的费率。费率分区是保险企业成功经营农作物保险的基础和前提。
For the operation of crop insurance, risk identification and scope division of the natural risks faced by crops are carried out through the division of hazardous units, which provides a theoretical basis for scientifically and rationally determining the scale of operation in space and time. Based on the division of dangerous units, the insurer can further divide the risk areas according to the risk intensity in different dangerous units, and then select appropriate technical methods to calculate the rates in different risk areas. Regionalization of rates is the basis and premise for successful insurance companies to operate crop insurance.