森林保险支付意愿实证分析——基于福建省森林培育企业的调查

Empirical Study on Willingness–To–Pay of Forestry Insurance——Evidence from Enterprises of Forestry Cultivation in Fujian Province

运用开放式出价法和三分选择法相结合的支付意愿引导模式，对福建省森林培育企业森林保险支付意愿进行调查，并利用Logit模型进行计量分析。研究表明，森林培育企业的平均支付意愿为31．35元／hm2，比现行的森林综合险保费还高；森林培育企业森林保险支付意愿主要受风险态度因子的影响，其支付意愿水平的高低与风险态度厌恶程度成正比。基于此，政府对森林培育企业的财政补贴可以减少，甚至不予补贴。

This study is not only beneficial to explain the market failure of forestry insurance scientifically, but also provides the basis for making the financial subsidy policy of forestry insurance. The elicitation method of three choices with open-ended bidding was used in this paper to investigate the willingness-to-pay of the enterprises of forestry cultivation in Fujian province by the questionnaire, and make the analysis of which by logit model. Studies show that the average willingness-to-pay of enterprises of forestry cultivation is 31.35 RMB per hectare, higher than the present price of forestry insurance. Their wiiUingness-to-pay is mainly influenced by their risk attitude, be- ing proportional to the degree of their risk aversion. Therefore, the financial subsidy for the enterprises of forestry cultivation can be reduced, even being cancelled.