农户对完全成本保险的需求分析及展望——以辽宁省玉米种植户为例

Analysis and Prospect on Farmers’ Demand for Full Cost Insurance—A Case Study of Maize Growers in Liaoning Province

农作物保险是最常见的风险管理工具,农民可以用来减轻因不利的自然条件和市场条件造成的农作物种植损失。当前国内农业保险市场现实是补贴高、保额和保费较低,农户种植规模小且对风险管理的认知和对保险的理解有限。采用条件估值法,以辽宁省玉米种植户为例,估算农户对于完全成本保险的意愿支付。研究表明,维持当前补贴水平不变,农户愿意为完全成本保险支付更多保费;受教育程度及过去的投保经历对农民的意愿支付影响较大。最后,对中国农业保险发展前景进行了展望。

Crop insurance is the most common risk management instrument that farmers could use to mitigate crop farming losses caused by adverse natural and market conditions. Currently in China, such insurance programs were provided with great government subsidies at low liability levels resulting in low premiums. The farm size was often very small in China and farmers' knowledge about risk management and experience and understanding of insurance were also quite limited. By employing contingent valuation method (CVM), this paper elicited maize growers' maximum willingness-to-pay (WTP) for gross cost insurance and results showed that: Famers were willing to pay more for the yield insurance with higher coverage levels while maintaining the subsidy level unchanged;and furthermore, education level and crop insurance service experience had a great impact on willingness-to-pay for crop insurance. Finally, the future prospect of China's agricultural insurance was forecasted.