[1]陈子豪,胡浩.农户气象风险感知对农业保险选择行为的影响——以桃种植户为例[J].南京农业大学学报(社科版),2023,23(02):178-190.
　CHEN Zihao,HU Hao.The Impact of Farmers’ Perceptions of Climate Change on Insurance Purchase Behavior: Evidence from Peach Farmers in China[J].Journal of Nanjing Agricultural University(Social Science),2023,23(02):178-190.
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农户气象风险感知对农业保险选择行为的影响——以桃种植户为例()
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南京农业大学学报（社科版）[ISSN:1006-6977/CN:61-1281/TN]

卷:
23
期数:
2023年02期
页码:
178-190
栏目:
农业经济
出版日期:
2023-04-19

文章信息/Info

Title:
The Impact of Farmers’ Perceptions of Climate Change on Insurance Purchase Behavior: Evidence from Peach Farmers in China
作者:
陈子豪;  胡浩
南京农业大学 经济管理学院, 南京 210095
Author(s):
CHEN Zihao;  HU Hao
关键词:
气象风险; 风险管理; 风险转移; 风险感知
Keywords:
Meteorological Risks; Risk Management; Risk Transfer; Perception of Risk
分类号:
F326
摘要:
气候变化及其裹挟的气象风险严重威胁农业这一弱质性产业。利用山东、安徽、湖北3省6市的实地调查资料,从年际尺度和生长环节小尺度刻画种植户气象变化感知,揭示种植户气象风险感知影响保险选择行为或意向的规律。研究发现,种植户气象风险感知是气候变化适应行为的基础,是驱动他们采取转移风险的金融工具。由于桃树不同生长环节对不同气象因子的敏感度呈现较大差异,不同险种选择对农户气象风险感知的响应呈现异质性:桃树种植保险选择概率及采用强度均响应年际极端天气事件变化感知;种植户产量保险选择意向响应生长期降水变化感知;天气指数保险选择意向响应采摘期降水变化感知。而各类保险选择尚未响应于年际气温或降水变化感知、冬季气温上升感知、挂果期低温冷害变化感知。最后,提出保险公司、政府及农户需通过完善保险产品设计、保险补贴政策制定和气候变化科普,提升我国农户应对气候变化的能力。
Abstract:
Climate change and its accompanying meteorological risks seriously threaten weak agricultural industries. Based on the field survey data of six counties in Shandong, Anhui and Hubei provinces, the paper describes the farmers’ perception of meteorological change from the interannual scale and the small scale of growing links, and reveals the law of the influence of farmers’ meteorological risk perception on the behavior or intention of insurance selection. It is found that farmers’ perception of meteorological risk is the basis of climate change adaptation behavior and drives them to adopt financial instruments to transfer risks. Because the sensitivities of different growth links of peach trees to different meteorological factors were significantly different, the responses of different insurance choices to farmers’ meteorological risk perception showed heterogeneity: the selection probability and adoption intensity of peach planting insurance were all responsive to the change perception of inter-annual extreme weather events. The choice intention of crop yield insurance was responsive to the perception of precipitation change in the growing period, while the choice intention of weather index insurance was responsive to the perception of precipitation change in the picking period. However, all kinds of insurance options have not responded to the perception of inter-annual temperature or precipitation change, the perception of winter temperature rise, and the perception of the change of low temperature chilling injury in the fruit bearing period. Finally, it is suggested that the insurance companies, the government and the farmers need to improve the design of insurance products, the formulation of insurance subsidy policies and the popularization of climate change, so as to enhance the ability of the farmers to cope with climate change.

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备注/Memo

备注/Memo:
收稿日期:2022-09-21。
作者简介:陈子豪,男,南京农业大学经济管理学院博士生。
通讯作者:胡浩(通信作者),男,南京农业大学经济管理学院教授。
更新日期/Last Update: 1900-01-01