Recent Advances in the Analyses of Demand for Agricultural Insurance in Developing and Emerging Countries
Recent Advances in the Analyses of Demand for Agricultural Insurance in Developing and Emerging Countries
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DOI：
10.1146/annurev-resource-110119-025306
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发表时间：
2020-01-01
期刊：
影响因子：
--
通讯作者：
Mishra, Ashok K.
中科院分区：
文献类型：
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作者：
Ali, Williams;Abdulai, Awudu;Mishra, Ashok K.
尽管发展中国家和新兴国家的农民在生产过程中面临重大风险和不确定性，但鼓励他们采用农业保险来降低生产风险的努力收效甚微。本文回顾了近年来有关发展中国家和新兴国家农业保险需求的文献，介绍了农业保险的需求状况、需求驱动因素以及由此带来的潜在福利收益。我们的回顾表明，尽管风险规避是农业保险需求的必要条件，但流动性约束、时间偏好率、基差风险、和信任在解释贫穷国家的保险需求方面同样相关。一个有趣的现象是，越来越多的研究采用随机对照试验来分析发展中国家和新兴国家农民接受农业保险的情况。我们的全面审查发现文献中的一些信息空白，我们提出了一些进一步研究的途径。
Despite the significant risks and uncertainties that farmers in developing and emerging countries face in their production process, efforts at encouraging them to adopt agricultural insurance to mitigate their production risks have mainly yielded little success. This article reviews the recent literature on the demand for agricultural insurance in developing and emerging countries, by presenting the state of uptake, drivers of the demand for it, and the potential welfare gains from it. Our review reveals that while risk aversion is necessary for the demand for agricultural insurance, liquidity constraints, rates of time preference, basis risk, and trust are equally relevant in explaining the demand for insurance in poor countries. An interesting observation is the increasing number of studies that employ randomized control trials to analyze farmers' uptake of agricultural insurance in developing and emerging countries. Our comprehensive review finds some information gaps in the literature, and we propose some avenues for further research.