草业学报2024，Vol.33Issue(12)：13-22,10.DOI:10.11686/cyxb2024046
牧户雪灾气象指数保险支付意愿分析
Analysis of herders'willingness to pay for snow disaster weather-index insurance
摘要
Abstract
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Key words
willingness to pay(WTP)/snow disaster weather-index insurance/contingent valuation method(CVM)/Gannan pastoral area引用本文复制引用
李芙凝,柴天舒,秦泽平,唐增..牧户雪灾气象指数保险支付意愿分析[J].草业学报,2024,33(12):13-22,10.基金项目
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)和中国工程院战略研究与咨询项目(GS2023ZDI01,2023-XY-28)资助. （FR2023-03）
