College of Economics and Management, Nanjing Agricultural University
China Agriculture Research System（CARS-28）
水果种植保险的高质量发展是农户风险管理的需要，也是国家支农政策体系的重要内容，提高农户种植保险的支付意愿对促进水果特色险发展具有重要意义。本研究基于梨主产区的调查数据，运用条件价值评估法和Tobit模型估计不同保额水平下农户对梨种植保险的支付意愿和偏好，探析影响农户支付意愿的因素。结果表明，在4.5万元/hm2和7.5万元/hm2两种保额水平下，分别有91.39%和92.00%的农户愿意购买梨种植保险，平均支付意愿分别为1 086.60元/hm2和1 780.47元/hm2，即提高保额后，愿意购买保险的农户比例增加但农户对单位保额的平均支付金额下降。影响农户支付意愿的因素中，农业保险购买经历的边际影响最高，其次为梨纯收入占比、梨种植保险的重要性认知和自然灾害的严重性感知，其他个人特征、经营特征如教育程度、健康状况、人均纯收入、梨平均种植规模等对保险的支付意愿有显著的正向影响，风险特征和保险特征对高保额水平保险的支付意愿影响比对低保额水平产品的影响更大。农户对梨保险的重要性认知、农业保险的购买经历和对农业保险的了解程度在影响其对不同保额水平的保险支付意愿时具有显著差异。因此，建议地方政府根据不同地区的农户特征和保险发展水平有序开展特色水果保险试点，逐步提高保险保障水平；进一步提高农户的风险信息获取能力和保险认知程度，从根本上激发农户对特色水果保险的内在需求；实施差异化的农险补贴政策，将补贴效率与不同时期的农险发展目标相匹配。
The high-quality development of fruit planting insurance is critical for farmers’ risk management and the national policy system to support agriculture and it is also of great significance to increasing farmers’ willingness to pay for fruit-specific planting insurance. Based on a survey data of main pear producing areas, this study estimated farmers’ willingness to pay and their preferences for pear planting insurance under different coverage level by the Contingent Valuation Method and the Tobit model and explored the factors affecting farmers’ willingness to pay. Results show that 91.39% and 92.00% of farmers were willing to buy pear planting insurance under two coverage levels of 45 000 yuan/hm2 and 75 000 yuan/hm2, respectively, and the average willingness to pay is 1 086.60 yuan/hm2 and 1 780.47 yuan/hm2, respectively. That is, the proportion of farmers willing to purchase insurance increased but the average amount paid by farmers decreased after raising the coverage amount. For the factors affecting farmers’ willingness to pay, the marginal influence of agricultural insurance purchasing experience is the highest, followed by the proportion of pear net income, the perceived importance of pear cultivation insurance, and the perceived severity of natural disasters. While other personal and business characteristics such as education level, health status, per capita net, and the average pear cultivation scale have some significant positive impacts on the willingness to pay for insurance, and the risk characteristics and insurance characteristics have greater impacts on the willingness to pay for high coverage level insurance than that for low coverage level products. Farmers’ perceptions of the importance of pear insurance, their experience in purchasing agricultural insurance, and their knowledge of agricultural insurance differed significantly in influencing their willingness to pay for insurance at different coverage levels. Therefore, this paper suggests that the local government should orderly carry out pilot projects of specialty fruit insurance according to the characteristics of farmers and the level of insurance development in different regions, and gradually improve the level of insurance coverage. In addition, improving farmers’ ability to obtain risk information and insurance cognition, fundamentally stimulating farmers’ intrinsic demand for specialty fruit insurance, and implementing differentiated agricultural insurance subsidy policies to match the subsidy efficiency with the agricultural insurance development goals in different periods are very important.
牛佳,耿献辉. 不同保额水平下农户对水果种植保险的支付意愿研究——来自我国梨主产区的调查[J]. 农业现代化研究, 2022, 43(5): 845-856
NIU Jia, GENG Xian-hui. Research on farmers’ willingness to pay for the fruit planting insurance with different liability levels: An investigation from the main pear producing areas in China[J]. Research of Agricultural Modernization, 2022, 43(5): 845-856