论文标题
估计需求因素和支付农业保险的意愿
Estimating the Demand Factors and Willingness to Pay for Agricultural Insurance
论文作者
论文摘要
本文调查了价格和社会人口统计学变量对购买农业保险的决定的影响。对200名农民进行了一项调查，其中大多数从事多元化的收入生成活动。后勤估计结果表明，农业活动的教育和家庭收入对购买保险的可能性产生积极影响。对保险的需求与每笔保险价值支付的保费呈负相关，这表明保险是正常的商品。农民愿意支付（WTP）越来越高的合同保费，覆盖率较高。根据估值模型，WTP的覆盖率低于70％的幅度急剧下降。
This article investigates the effect of prices and socio-demographic variables on the farmers decision to purchase agricultural insurance. A survey has been conducted to 200 farmers most of whom are engaged in diversified income-generating activities. The logistic estimation results suggest that education and household income from farming activities positively affect the likelihood of purchasing insurance. The demand for insurance is negatively correlated with the premium paid per insured value, suggesting that insurance is a normal good. Farmers are willing to pay (WTP) increasingly higher premiums for contracts with a higher coverage ratio. According to the valuation model, the WTP declines sharply for coverage ratios under 70%.
