Evaluation of the crop insurance management for soybean risk of natural disasters in Jilin Province, China
Evaluation of the crop insurance management for soybean risk of natural disasters in Jilin Province, China
复制标题
吉林省大豆自然灾害风险农作物保险管理评价
DOI：
10.1007/s11069-014-1510-z
复制
发表时间：
2015-03-01
期刊：
影响因子：
3.7
通讯作者：
Liu, Buchun
中科院分区：
文献类型：
--
作者：
Yang, Xiaojuan;Liu, Yuan;Liu, Buchun
农作物保险是应对自然灾害最有效的风险管理工具之一。吉林省作为我国大豆主产省，受全球气候变暖的影响，自然灾害频繁。本研究旨在通过识别影响农户参与大豆作物保险决策的因素，估算农户对大豆作物保险的支付意愿，促进吉林省大豆自然灾害风险的作物保险管理。对吉林省农户调查数据的分析表明，旱灾和病虫害是大豆的主要灾害，多数受访者认可农作物保险的重要性，政府补贴能显著提高农户购买保险的积极性;收入来源多样性与大豆保险参与意愿、大豆生产灾害多样性呈显著负相关，对大豆保险重要性的认知程度和是否使用过农作物保险与农户参保意愿均呈显著正相关;农户平均愿意支付48.75元/hm 2的大豆作物保险费（折合7.73美元/hm 2，参考2011年和2012年汇率），WTP/溢价比为21.69%。建议在自然灾害多发区启动大豆作物保险，通过宣传和培训提高农民对作物保险的认识，推出作物保险试验产品增加农民的经验，实行作物保险保险补贴，以促进吉林省大豆作物保险的发展。
Crop insurance is one of the most useful risk management tools for natural disasters. Jilin as the main soybean production province in China suffers the natural disaster frequently by the global warming. The purpose of this study was to promote the crop insurance management of soybean risk of natural disaster in Jilin by identifying the factors affecting farmers’ decisions about participating in soybean crop insurance and estimating the willingness to pay (WTP) for soybean insurance. The analysis of data from a farmer survey in Jilin showed that droughts and pests were the main soybean disasters, most respondents recognized the importance of crop insurance, and government subsidies can significantly increase farmers’ enthusiasm about purchasing insurance; diversity of income sources was significantly negatively correlated with willingness to participate in soybean insurance, and diversity of soybean production disasters, level of awareness of the importance of soybean insurance and whether crop insurance had been used were all significantly positively correlated with farmer willingness to participate in insurance; on average, farmers were willing to pay a soybean crop insurance premium of 48.75 ¥/hm2(equals 7.73 $/hm2, referring to the exchange rate of 2011 and 2012), and the WTP-to-premium ratio was 21.69 %. Starting the soybean crop insurance in the frequent natural disaster areas, improving farmers’ understanding of crop insurance by advertisement and training, launching some crop insurance test products to increase farmer’s experience, and implementing subsidies for crop insurance insistently were suggested to promote the development of soybean crop insurance in Jilin.