[1]孙香玉,吴冠宇,张耀启.传统农业保险与天气指数保险需求:替代还是互补?——以新疆棉花农业保险为例[J].南京农业大学学报(社科版),2016,16(05):116-126.
　SUN Xiangyu,WU Guanyu,ZHANG Yaoqi.Can Experience in Traditional Crop Insurance Enhance Willingness to Buy Weather Index Insurance? Empirical Study on Cotton Agriculture in Xinjiang Province[J].Journal of Nanjing Agricultural University(Social Science),2016,16(05):116-126.
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传统农业保险与天气指数保险需求:替代还是互补?——以新疆棉花农业保险为例()
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南京农业大学学报（社科版）[ISSN:1006-6977/CN:61-1281/TN]

卷:
16
期数:
2016年05期
页码:
116-126
栏目:
农业经济
出版日期:
2016-08-25

文章信息/Info

Title:
Can Experience in Traditional Crop Insurance Enhance Willingness to Buy Weather Index Insurance? Empirical Study on Cotton Agriculture in Xinjiang Province
作者:
孙香玉1;  吴冠宇2;  张耀启3
1. 南京信息工程大学经济管理学院, 江苏 南京 210044;
2. 南京信息工程大学应用气象学院, 江苏 南京 210044;
3. 南京信息工程大学地理与遥感学院, 江苏 南京 210044
Author(s):
SUN Xiangyu1;  WU Guanyu2;  ZHANG Yaoqi3
关键词:
天气指数保险; 购买意愿; 传统农业保险; 购买经验
分类号:
F840.66
文献标志码:
A
摘要:
天气指数保险在消除道德风险、降低逆向选择与交易成本方面较传统农业保险有诸多优势，但我们对其市场认知度知之甚少。近年来传统农业保险发展迅速，但传统农业保险的购买经验是否有助于推广还是替代天气指数保险新产品呢？本研究将传统农业保险的购买经验与天气指数保险的购买意愿相结合，利用CVM方法，选取新疆自治区昌吉州玛纳斯县棉花种植区的农民进行实地调查，从三个层面探讨购买经验对于天气指数保险购买意愿的影响，研究结果显示，传统农业保险购买经验的增加可以提高新型天气指数保险的购买意愿。说明有传统农业保险购买经验的农户可能会转向或同时购买天气指数保险，但是天气指数保险更重要的作用是吸引那些不愿购买传统保险的农户。
Abstract:
Weather index insurance has advantages in shunning morality risks and reducing reverse choice and transaction costs compared with the traditional agricultural insurance.However,little rational cognition has been gained on its market value.The recent years saw the rapid increase of traditional agricultural insurance,but,does the purchase experience of traditional agricultural insurance help promote or replace this new product? The present study dealt with the purchase experience’s impact on the purchase willingness of weather index insurance by combining the purchase experience of traditional agricultural insurance and the purchase willingness of weather index insurance,using CVM method,and basing on the case study of cotton farmers of Manasi County,Changji City,Xinjiang Autonomous Region.The research result showed that the willingness of purchasing the new weather index insurance can be enhanced by the purchasing experience of traditional agricultural insurance.Besides,those experienced farmers switch to or do at the same time the purchase of weather index insurance.However,the more important function of weather index insurance is to attract those farmers who are unwilling to buy traditional insurance.

参考文献/References:

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备注/Memo

备注/Memo:
收稿日期:2016-02-04;改回日期:。
基金项目:国家自然科学基金项目"系统风险、交易成本与农业天气指数保险的区域划分——与传统农业保险的比较研究"（71473127）；中国博士后基金（第55批）项目"系统风险、交易成本与农业天气指数保险的区域划分"（2014M550296）；江苏省农业气象重点实验室开放课题"农业气象指数保险的风险区划与可行性研究——基于费率精算的角度"（2013）
作者简介:孙香玉,女,南京信息工程大学经济管理学院、"气象灾害预警与灾害评估"协同创新中心副教授,E-mail:njausxy@163.com;吴冠宇,女,南京信息工程大学应用气象学院硕士研究生;张耀启,男,南京信息工程大学地理与遥感学院、美国奥本大学林业与野生动物学院教授.
更新日期/Last Update: 2016-09-02