摘要
【目的】探索条件价值评估最大支付意愿引导技术在中国香蕉风灾保险产品设计中的适用性,并为政策制定者调整和完善香蕉风灾保险财政补贴制度提供决策依据。【方法】基于海南省681户蕉农的实地调查,采用CVM调查中最适宜的问卷形式——二分式问卷格式,运用单边界、双边界二分式条件价值评估方法,较精确地测度出香蕉风灾保险的最优财政补贴规模。【结果】费率单边界问卷格式和双边界问卷格式估计平均最大支付意愿分别为19.25%、17.54%,其两问卷格式估计平均最大支付意愿的95%置信区间分别为18.77%～19.79%,16.89%～17.72%;财政补贴单边界问卷格式和双边界问卷格式估计平均最大支付意愿分别为26.38%、39.25%,其两问卷格式估计平均最大支付意愿的95%置信区间分别为25.70%～27.07%,38.94%～39.57%。【结论】与单边界问卷格式相比,双边界问卷格式能够获得被调查者支付意愿的更多信息,从而缩小了估计的置信区间,提高了最大支付意愿的估计精度;在连续3年的试点实践中,海南香蕉风灾保险试点规模占其香蕉种植面积不足10%,结合本研究结果,笔者认为海南省财政应在2007、2008连续两年30%的财政补贴基础上进一步加大对香蕉风灾保险业的补贴力度,力争补贴比例达到40%左右,同时费率也不宜过低,宜保持在18%左右。据此提出了促进政策性农业保险可持续发展的两大建议:构建财政支持政策性农业保险的长效机制和构建具有"适度强制性"的政策性农业保险制度。
【Objective】 The applicability of technique applied in banana windstorm insurance of China to induce the greatest willingness to pay of contingent valuation was explored,and the decision basis was provided for policy makers to adjust and perfect the financial subsidy system of banana windstorm insurance.【Method】 Based on the field survey of 681 banana planters in Hainan province,the optimum questionnaire format of CVM,dichotomous choice format was adopted,using the single-bounded and double-bounded dichotomous contingent valuation technique to estimate the optimal size of financial subsidies to banana windstorm insurance accurately.【Result】 The results show that the mean greatest willingness to pay of premium rate single-bounded and double-bounded estimation were 19.25% and 17.54%,respectively.The 95% confidence interval of greatest willingness to pay estimated by these two questionnaire formats were 18.77%-19.79% and 16.89%-17.72%,respectively.【Conclusion】 Compared with the single-bounded questionnaire format,the double-bounded questionnaire format could obtain more information about the respondents′ willingness to pay,hence,it reduces the confidence interval range and improves the estimation accuracy of the greatest willingness to pay.At the pilot practice for three continuous years,the percent of banana windstorm insurance pilot size in the total banana planting area was less than 10% in Hainan.Combined with this research result,the author holds that Hainan finance should strength the subsidy to banana windstorm insurance on the basis of 30% subsidy in two continuous years of 2007 and 2008,and the subsidy percentage should try to achieve 40%.At the same time,the premium rate should not be too low,18% is suitable.According to this,the author puts forward two recommendations of promoting the sustainable development of agricultural insurance：To build a long-term mechanism of financial support for policy-oriented agricultural insurance and build a moderate mandatory policy-oriented agricultural insurance system.
出处
《中国农业科学》
CAS
CSCD
北大核心
2009年第12期4372-4382,共11页
Scientia Agricultura Sinica
基金
国家社科基金项目"农业补贴的国际比较研究"(08BJY135)
