干旱指数保险支付意愿研究——基于湖北省孝感市的实证分析

A Research on the Willingness to Pay for Drought Index Insurance——The Empirical Analysis based on Xiaogan City in Hubei Province

本文以湖北省孝感市273个农户的调查数据为依据,通过Logistic模型对农户干旱指数保险支付意愿的影响因素进行了实证分析。研究表明:被调查农户农业干旱保险意愿不强,其中72.5%的农户没有支付意愿;有支付意愿的农户愿意支付的保险费也相当低,平均只有每亩12元。基于此,本文为该地区农业干旱指数保险的发展提供相关政策建议:加大对农村的人力资本投资;增加农民收入,提高支付能力;加强农业干旱指数保险的宣传教育工作;探讨合理的农业保险补贴方式和标准;加强天气指数保险研究力度,积极推进天气指数保险试点工作。

Based on the investigation date of 273 household in Xiaogan city in Hubei province,this paper empirically analyzed the influencing factors of the farmers＇ willingness to pay for drought index insurance through the Logistic model.The research result showed that the surveyed households＇ WTP to agricultural drought insurance was not strong,in which 72.5 percent of farmers have no WTP,the premium which was paid willingly by the farmers with WTP was quite low,on average only RMB 12 Yuan per mu.Based on it,the paper put forward related policy recommendations for the development of agricultural drought index insurance： increasing investment on the rural human capital,increasing farmers＇ income,improving the ability to pay,strengthening propaganda education work to agricultural drought index insurance,exploring rational agricultural insurance subsidy way and standards,strengthening the research strength on weather index insurance,actively promoting the weather index insurance experimental work.