农户对区域指数类农业附加险购买意愿的实证研究——以河北棉花种植户为例

美国为规避WTO规则,避免贸易争端,推出了可降低勘察定损成本和个人道德风险的区域指数类农业附加险——叠加收入保护计划(STAX)。当前,中国亦面临支棉政策调整、棉农种植意愿趋降等多重压力,如果也实行类似的棉花保险,农户的购买意愿如何?为回答此问题,在剖析STAX内容的基础上,利用河北省棉农调查数据,采用Logit模型对农户购买该类保险产品的意愿进行实证研究。结果表明:支付金额、是否购买棉花主险与农户购买该类保险的意愿呈显著(P<0.05)负相关,种地收入、是否认为保险对稳定种地收入有作用,以及亲人邻里是否愿意购买以整体预期收入为投保标的的棉花保险对农户购买该类保险的意愿有显著(P<0.05)正向影响。据此,提出如下建议:完善保险产品体系,加强棉花农业保险产品创新;提升我国棉花保险的保障水平;加大区域指数类农业附加险在农村的宣传力度和保险知识培训力度,提升农户的保险认知水平。

Analysis on farmers’ willingness to buy agricultural accessory risk based on regional index in China: a case study on cotton growers in Hebei Province

To avoid international trade dispute, the United States launched an agricultural accessory risk based on regional index, cumulative income protection plan (STAX), which could reduce the cost of investigation and personal moral hazard. At present, China faces multiple pressures, such as the adjustment of cotton support policy and the declining plantation willingness of cotton growers. If similar insurance like STAX was introduced in China, would farmers be willing to buy? To answer this question, we first analyzed the content of STAX, and then carried out a survey in cotton growers in Hebei Province, and adopted the Logit model to empirically study the farmers’ willingness to buy such insurance products. The results showed that, the premium and purchase of cotton insurance had significant (P<0.05) negative correlation with farmers’ willing to buy such insurance products. While, income from farming, the recognition of the role of insurance in stabilizing the income from farming and the purchase of insurance with the whole expected income as insurance subject by farmers’ relatives or neighbors had a significant (P<0.05) positive correlation with farmers’ willing to buy such insurance products. Based on these findings, it was suggested that the insurance products system should be improved and innovated. The guarantee level of insurance should be improved. And, the publicity of insurance knowledge should be strengthened to increase the farmers’ recognition toward agricultural insurance.