新发展阶段脱贫地区防贫保险的需求偏好——基于选择实验法的实证

Demand Preference for Poverty Prevention Insurance in the Areas that Have Been Lifted out of Poverty in the New Development Stage:An Empirical Study Based on Choice Experiment Method

准确把握新发展阶段脱贫地区农户对防贫保险的需求偏好,对进一步完善防贫保险试点、巩固拓展脱贫攻坚成果具有重要意义。采用离散选择实验法,借助混合Logit模型,分析脱贫地区农户对防贫保险关键属性的偏好和支付意愿。研究表明:保险产品的核心属性在决定农户参保意愿方面起着至关重要的作用。具体来说,较高的保额和政府提供的保费补贴能显著提高农户的投保需求,而较高的保险费用和赔付资金的延迟到账明显抑制了农户的参保意愿。此外,农户对不同保险属性的偏好存在显著异质性,尤其体现在对保费补贴和赔付资金到账时间上,而对保险金额则显示出较为一致的高需求。支付意愿分析进一步揭示,农户愿意为较高的保额和更大的保费补贴比例支付额外的保费,但对于赔付资金到账时间的延长表现出显著的排斥态度。

Accurately grasping farmers’demand preference for poverty prevention insurance in the areas that have been lifted out of poverty in the new development stage is of great significance to further improve the poverty prevention insurance pilot and consolidate and expand the achievements of poverty alleviation.Using the discrete choice experiment method and the Mixed Logit model,this study analyzed the preferences and willingness to pay(WTP)of farming households in the areas that have been lifted out of poverty regarding key attributes of poverty prevention insurance.The research indicated that,the core attributes of insurance products played a vital role in determining the willingness of farming households to take up insurance.Specifically,higher coverage amounts and government premium subsidies significantly increased the demand for insurance among farming households,while higher insurance costs and delayed payouts markedly inhibit their willingness to be insured.Moreover,there was significant heterogeneity in the preference for different insurance attributes,particularly regarding premium subsidies and payout timeliness,whereas a more consistent high demand was observed for coverage amounts.WTP analysis further revealed that farming households were willing to pay extra premiums for higher coverage amounts and larger subsidy ratios,reflecting their strong emphasis on these attributes;at the same time,they showed a significant aversion to extended payout times.