湖北农业科学 ›› 2021, Vol. 60 ›› Issue (5): 156-161.doi: 10.14088/j.cnki.issn0439-8114.2021.05.031

• 经济·管理 • 上一篇    下一篇

兼业视角下农户对天气指数保险的支付意愿研究--基于湖北荆州和潜江稻虾共作农户的调研数据

程颜, 谭淑豪   

  1. 中国人民大学农业与农村发展学院,北京 100872
  • 收稿日期:2020-05-08 出版日期:2021-03-10 发布日期:2021-03-22
  • 通讯作者: 谭淑豪(1968-),女,江西樟树人,教授,博士,主要从事制度、政策和土地(草地)资源的可持续利用管理等方面研究,(电子信箱)shuhaotan@ruc.edu.cn。
  • 作者简介:程颜(1994-),男,山东安丘人,硕士,研究方向为农业保险、粮食收储制度,(电话)18811750221(电子信箱)aqchengyan@163.com;
  • 基金资助:
    “十三五”国家重点研发计划项目(2016YFD0300905)

Research on the willingness of farmers to pay for weather index insurance from the perspective of concurrent business:Based on survey data of rice-shrimp co-cultivate farmers in Jingzhou and Qianjiang,Hubei

CHENG Yan, TAN Shu-hao   

  1. School of Agricultural Economics and Rural Development, Renmin University of China, Beijing 100872, China
  • Received:2020-05-08 Online:2021-03-10 Published:2021-03-22

摘要: 支付意愿反映的保险需求对农业保险发展具有重要影响。基于湖北省实地调研的229份农户问卷,建立Logistic模型,探讨影响农户支付意愿的因素,并运用条件估值法测算农户的平均支付意愿。结果表明,纯农户对天气指数保险的支付意愿强于兼业户,支付意愿与其受教育年限、种养规模、气象灾害发生频率、气象灾害影响程度、是否买过保险、农业保险保障能力有关。在1 500元/667 m2的保额下,农户的平均支付意愿为37.72元/667 m2,远低于90元/667 m2的无补贴厘定保费。

关键词: 兼业, 天气指数保险, 支付意愿(WTP), 条件估值法(CVM), 稻虾共作农户

Abstract: The insurance demand reflected by willingness to pay has an important influence on the development of agricultural insurance. Based on the 229 questionnaires of farmers in the field survey in Hubei province, a Logistic model was established to explore the factors affecting the willingness of farmer to pay, and the conditional valuation method was used to calculate the average willingness of farmers to pay. The results show that pure farmers are more willing to pay for weather index insurance than part-time farmers. The willingness to pay is related to their years of education, their scale of planting and breeding, the frequency of meteorological disasters, the degree of impact of meteorological disasters, whether they have bought insurance, and the protective role of insurance. Under the maximum amount of insurance repayment of 1 500 yuan per 667 m2, the average willingness of farmers to pay is 37.72 yuan per 667 m2, which is far lower than 90 yuan per 667 m2 that is the price without subsidies.

Key words: concurrent business, weather index insurance, willingness to pay(WTP), contingent valuation method (CVM), rice-shrimp co-cultivate

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