牧户雪灾气象指数保险支付意愿分析--以甘南牧区为例  

Analysis of herders’willingness to pay for snow disaster weather-index insurance-A case study in the Gannan Pastoral area

作　　者：李芙凝 柴天舒 秦泽平 唐增[2,4,5] LI Fu-ning;CHAI Tian-shu;QIN Ze-ping;TANG Zeng(Gansu Agricultural Information Center,Lanzhou 730020,China;College of Pastoral Agriculture Science and Technology,Lanzhou University,Lanzhou 730020,China;College of Science,Minzu University of China,Beijing 100081,China;State Key Laboratory of Herbage Improvement and Grassland Agro-ecosystems,Lanzhou 730020,China;Key Laboratory of Efficient Forage Production Mode,Ministry of Agriculture and Rural Affairs,College of Grassland Science,Shanxi Agricultural University,Taigu 030801,China)

机构地区：[1]甘肃省农业信息中心,甘肃兰州730020 [2]兰州大学草地农业科技学院,甘肃兰州730020 [3]中央民族大学理学院,北京100081 [4]兰州大学草种创新与草地农业生态系统全国重点实验室,甘肃兰州730020 [5]山西农业大学饲草高效生产模式创新重点实验室,山西太谷030801

出　　处：《草业学报》2024年第12期13-22,共10页Acta Prataculturae Sinica

基　　金：山西农业大学饲草高效生产模式创新重点实验室开放基金资助课题(FR2023-03);中国工程院战略研究与咨询项目(GS2023ZDI01,2023-XY-28)资助。

摘　　要：气象指数保险作为一种新型保险产品,得到国内外广泛推崇,但目前尚未开展针对高寒草原牧区的气象指数保险应用。实践中牧户对保险产品的需求程度决定指数保险方案是否具有推广与应用价值。基于甘南草原牧区96户牧户调研数据,运用条件价值评估法(CVM)探讨了牧户对于雪灾指数保险产品的支付意愿(WTP)及其影响因素,以期为指数保险在研究区的开发提供科学支撑。主要结果如下:1)研究区牧户对指数保险的平均支付意愿高于当前畜牧业保险保费;2)但牧户的平均支付意愿仍低于指数保险方案提供的保费;3)规模化、专业化养殖牧户对于新型指数保险产品支付意愿更高。以上结果表明,研究区牧户愿意为保障水平更好的指数保险产品支付更高的价格,但是由于投保成本高,现阶段指数保险仍不能取代当前低保费、高覆盖的畜牧业保险产品,但可作为现有保险的补充,满足部分规模化、专业化养殖牧户的保障需求。未来应该考虑差异化的保险补贴政策,综合提高研究区保险保障水平。Weather-index insurance is a novel insurance product that has gained widespread recognition globally.However,its application in alpine grassland pastoral areas remains unexplored.Herders’demand for insurance products directly influences the applicability and promotion potential of index insurance schemes.In this study,we investigated herders’willingness to pay(WTP)for snow disaster index insurance,and the associated influencing factors,in the Gannan grassland pastoral area using the contingent valuation method(CVM).The overall aim of this study was to provide scientific support for the development of index insurance as a part of the insurance industry in the study area.The key findings of our study are as follows:1)The average WTP for index insurance in the study area significantly exceeds the current livestock insurance premium;2)However,it is still lower than the premiums associated with the offered indexed insurance schemes;3)Large-scale and specialized herders exhibit a higher WTP for new index insurance products.Together,these results suggest that herders in the study area are willing to pay a higher premium for index insurance products offering enhanced protection.Nevertheless,the high cost of index insurance currently restricts its potential to replace existing lower-cost,high-coverage insurance options.At this stage,it can serve as a complementary product to address the security needs of some large-scale and specialized herding operations.Moving forward,implementing differentiated insurance subsidy policies will be crucial to strengthen the insurance protection capacity within the study area.

关 键 词：支付意愿 雪灾气象指数保险 条件价值评估法 甘南牧区 

分 类 号：F842.6[经济管理—保险] F326.3