亚洲象肇事受损农户保险补偿满意度及影响因素研究  

Farmers’Satisfaction with Insurance Compensation Caused by Asian Elephant Accidents and Its Influencing Factors

作　　者：余磊 刘思芮 李娅 郭辉军 YU Lei;LIU Sirui;LI Ya;GUO Huijun(School of Economics and Management,Southwest Forestry University,Kunming,650224,China)

机构地区：[1]西南林业大学经济管理学院,昆明650224

出　　处：《野生动物学报》2024年第2期378-386,共9页CHINESE JOURNAL OF WILDLIFE

基　　金：云南省教育厅科学研究基金项目(2022Y635)。

摘　　要：野生动物作为自然生态系统中重要的组成部分,与人类的关系在实现生态文明建设、构建和谐生态关系方面发挥着重要作用。近些年,云南亚洲象(Elephas maximus)肇事事件频繁发生,严重影响当地民众的生产生活。野生动物肇事公众责任保险作为我国缓解人兽冲突的重要公共产品,引起公众广泛关注,农户作为重要参与主体,对保险补偿满意度是衡量保险实施效果的重要尺度。基于对前人有关研究的梳理,从个人特质、家庭特征、成本效益和政策4个维度提出理论假设,对云南普洱市和西双版纳傣族自治州地区开展实地调研获取补偿满意度相关数据,运用二元Logistic回归模型分析亚洲象肇事受损农户对保险补偿满意度的影响因素,从而明确农户视角下野生动物肇事公众责任保险的优化方向。结果表明:亚洲象肇事受损农户对野生动物肇事公众责任保险补偿满意率不高,个人特质、家庭特征、成本效益和政策对受损农户保险补偿满意度有重要影响,其中,直接损失成本、生产生活间接损失成本、心理创伤成本和社会经济发展机会成本对保险补偿满意度产生了显著负向影响,而经济效益、生态效益、政策了解程度、政策制定评价和政策执行评价对保险补偿满意度产生了显著正向影响。针对上述分析,本文从政府、保险公司和农户角度提出针对性的对策建议,以期为野生动物肇事公众责任保险的优化完善及生物多样性保护提供参考和借鉴。Wildlife is an important part of the natural ecosystem.The relationship between wild animals and human beings plays an important role in realizing the construction of ecological civilization and constructing harmonious ecological relations.In recent years,accidents involving Asian elephant(Elephas maximus)have occurred frequently in Yunnan,seriously affecting the production and life of local people.Wildlife accident public liability insurance,as an important public product to alleviate human-animal conflict in China,has aroused widespread public concern.As an important participant,farmers’satisfaction with insurance compensation is an important measure to measure the effect of insurance implementation.Based on the review of previous studies,we puts forward theoretical hypotheses from four dimensions:personal traits,family characteristics,cost-effectiveness and policies.Field investigations were carried out in Pu’er City and Xishuangbanna Prefecture in Yunnan Province to obtain relevant data of compensation satisfaction.A binary Logistic regression model was used to analyze the factors affecting the satisfaction degree of insurance compensation of the farmers caused by Asian elephant accident,so as to clarify the optimization direction of public liability insurance for wildlife accidents from the perspective of farmers.The results show that:the satisfaction rate of farmers affected by Asian elephant accident to public liability insurance compensation is not high,and personal characteristics,family characteristics,cost-effectiveness and policies have a significant impact on the satisfaction rate.Among them,the direct loss cost,the indirect loss cost of production and life,the psychological trauma cost and the opportunity cost of social and economic development have a significant negative impact on the satisfaction of insurance compensation,while the economic benefit,ecological benefit,policy understanding degree,policy formulation evaluation and policy implementation evaluation have a significant positive impac

关 键 词：亚洲象 受损农户 补偿满意度 二元Logistic回归方法 

分 类 号：Q958.12[生物学—动物学]