Residents’ Preferences for Rural Housing Disaster Insurance Attributes in Central and Western Tibet  

作　　者：Tingting Yang Zitong Li Yuan Bai Xinli Liu Tao Ye 

机构地区：[1]Key Laboratory of Environmental Change and Natural Disasters,Ministry of Education,Beijing Normal University,Beijing 100875,China [2]School of Economics,Peking University,Beijing 100871,China [3]Archives Department,Beijing Normal University,Beijing 100875,China [4]State Key Laboratory of Earth Surface Processes and Resource Ecology(ESPRE),Beijing Normal University,Beijing 100875,China [5]Academy of Disaster Reduction and Emergency Management,Ministry of Emergency Management and Ministry of Education,Beijing 100875,China [6]Faculty of Geographical Science,Beijing Normal University,Beijing 100875,China

出　　处：《International Journal of Disaster Risk Science》2023年第4期697-711,共15页国际灾害风险科学学报（英文版）

基　　金：supported by the Second Tibetan Plateau Scientifc Expedition and Research Program(STEP No.2019QZKK0906);the joint project of National Natural Science Foundation of China(NSFC)and Bill Melinda Gates Foundation(BMGF)under Grant No.72261147759。

摘　　要：Understanding the heterogeneous preferences of individuals for disaster insurance attributes is critical for product improvement and policy design.In an era of global environmental change,the Qinghai-Tibet Plateau is a hotspot of natural hazards.Improving the capability of rural housing disaster insurance to foster local residents’disaster resilience is of great signifcance but remains under addressed.We used a discrete choice experiment approach to provide the frst estimates of rural residents’preferences for rural housing disaster insurance attributes in central and western Tibet.We estimated residents’preferences and willingness-to-pay for the sum insured,subsidy rate,insured object,and perils covered.The potential impacts of increasing the sum insured,expanding the insured object,and lowering subsidy rates were evaluated.Our results suggest that residents prefer products with a high sum insured,high subsidy rate,and a complete list of insured objects.Residents who have experienced specifc hazards tend to prefer the corresponding perils covered.Females and residents who have a closer social network are more likely to purchase insurance.Product improvement and policy simulation results suggest that,while lowering the subsidy rate,increasing the sum insured and expanding the insured object could promote participation and improve residents’welfare.Our results could improve the understanding of the preferences of households in remote regions and support policy implementations.

关 键 词：Discrete choice experiment Preference for insurance attributes Qinghai-Tibet Plateau Rural housing disaster insurance WILLINGNESS-TO-PAY 

分 类 号：TV87[水利工程—水利水电工程] F299.1[经济管理—国民经济] F841.3