摘要
以水稻保险为例,通过四川省628个小型农户的双边界竞价实验(DBDC)数据,研究保费补贴政策对农户参保意愿的激励效果。竞价结果表明:大多数受访农民(59%)愿意为水稻保险支付10元/亩保费,高于现行保费水平(4元/亩)。实证结果进一步验证了单一提高补贴水平、降低保费不会大幅提升农户购买意愿。因此,保费成本并不是小型农户主要经济负担,单纯提高政府补贴不足以大幅推进参保意愿和参保率的上升。实证结果也表明,有农作物损失经历、务农年限短的农民购买意愿更强烈,农险补贴政策重心应由小户生产者向大型农业经营者转移。
The main objective of this paper is to investigate factors mostly influencing growers’crop insurance adoption decisions.To this end,we adopt a double-bounded dichotomous choice(DBDC)experiment based on data of 628 small farm households in Sichuan province.Results indicate that the majority(53%)of rice growers are willing to pay a high crop insurance premium above￥10(MYM 1.7).On the other hand,about 23%of growers value the crop insurance below￥2(MYM 0.34).As expected,the effects of landholding,education and income are all positive and statistically significant.However,household size and farming experience adversely affect the insurance adoption decisions.
作者
张若瑾
ZHANG Ruo-jin(Insurance School,Southwestern University of Finance and Economics,Chengdu 611130,China)
出处
《华南农业大学学报（社会科学版）》
CSSCI
北大核心
2018年第6期31-41,共11页
Journal of South China Agricultural University(Social Science Edition)
基金
国家自然科学基金青年项目(71603211)
四川省社会科学研究"十三五"规划重点理论专项(SC16LL010)
关键词
农业保险
双边界竞价实验(DBDC)
保费补贴
参保意愿
agricultural insurance
double-bounded dichotomous choice(DBDC)
insurance subsidy
insurance intention
