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

作　　者：孙鲁云 SUN Luyun(College of Finance and Mathematics,West Anhui University,Lu’an 237012,China;Anhui Provincial Key Laboratory of Philosophy and Social Sciences for Data Intelligence and Rural Revitalization of Dabie Mountains,West Anhui University,Lu’an 237012,China;Anhui Engineering Research Center for Eco-agriculture of Traditional Chinese Medicine,Lu’an 237012,China)

机构地区：[1]皖西学院金融与数学学院,安徽六安237012 [2]皖西学院数据智能与大别山乡村振兴安徽省哲学社会科学重点实验室,安徽六安237012 [3]安徽省中药生态农业工程技术研究中心,安徽六安237012

出　　处：《云南农业大学学报（社会科学版）》2024年第5期49-55,共7页Journal of Yunnan Agricultural University(Social Science)

基　　金：安徽省自然科学基金资助项目“脱贫地区返贫风险评估与防贫保险政策设计——以安徽大别山区为例”(2108085QG306);安徽省哲学社会科学规划项目“安徽大别山区生态宜居乡村建设研究”(AHSKQ2022D081);教育部人文社会科学基金项目“基于非广延统计理论的养老基金最优投资问题研究”(23YJA630143)。

摘　　要：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.

关 键 词：防贫保险 支付意愿 选择实验 混合Logit模型 

分 类 号：F840.66[经济管理—保险]