基于CVM的气象指数保险支付意愿分析  

Analysis on Willingness to Pay for Meteorological Index Insurance Based on CVM

作　　者：刘若曦 李艾哲 孟鸿飞 刘晓玲[1] LIU Ruoxi;LI Aizhe;MENG Hongfei;LIU Xiaoling(Nanjing Agricultural University,Nanjing Jiangsu 210095)

机构地区：[1]南京农业大学,江苏南京210095

出　　处：《现代农业科技》2023年第19期215-220,共6页Modern Agricultural Science and Technology

基　　金：院级大学生创新创业训练项目“绿色保险支持‘乡村振兴’战略目标实现研究”(202227YX803)。

摘　　要：支付意愿在一定程度上反映了保险购买者的需求状况,即使是经济发达地区也存在支付意愿不强的问题。首先,以条件价值估算法(CVM)获取的淡水鱼养殖户调研数据为依据,对养殖户购买气象指数保险的平均支付意愿进行测算,得出平均支付意愿为2956.35元/hm^(2),远低于实际保费。运用Logit模型对农户购买气象指数保险支付意愿的影响因素进行实证分析,发现家庭总资产与支付意愿显著负相关,养殖淡水鱼收入占总收入的比重和养殖户对气象指数保险的认可度与支付意愿显著正相关。最后,根据实证结果提出有利于提升气象指数保险支付意愿的几点建议。The willingness to pay could reflect the demand situation of insurance buyers to some extent,there is still a problem of weak willingness to pay even in economically developed regions.Firstly,this paper calculated the average willingness to pay of farmers for meteorological index insurance based on the survey data of freshwater fish farmers obtained by the conditional valuation method(CVM),which turned out to be 2956.35 yuan/hm^(2),much lower than the actual premium.Then we used the Logit model to empirically analyze the influencing factors of farmers'willingness to pay for meteorological index insurance,and found that there was a significant negative correlation between total household assets and willingness to pay.The proportion of freshwater fish farming income in total income and farmers'acceptance of meteorological index insurance were significantly positively correlated with willingness to pay.Finally,based on the empirical results,several suggestions were suggested to enhance the willingness to pay for meteorological index insurance.

关 键 词：气象指数保险 条件价值法(CVM) 支付意愿(WTP) Logit模型 

分 类 号：F842[经济管理—保险]