Analysis and estimation of banana planters＇willingness and capability of paying banana insurance--evidence from 1 167 banana planters in Hainan province

صينى. 【目的】探究蕉农对香蕉保险的支付意愿和支付能力,为政府优化香蕉保险制度设计提供决策依据。【方法】基于海南省1167户蕉农的实地调查,分别运用Logistic和CVM模型对影响蕉农参加香蕉保险意愿的微观影响因素和支付能力测度进行实证研究。【结果】影响蕉农参加香蕉保险的重要因子包括种植年限、身份、受教育程度、种植品种、2007年香蕉种植损失对家庭生产生活的影响程度、香蕉种植收入占家庭总收入的比重、是否试点区;蕉农平均意愿保费费率为0.14,蕉农平均意愿支付保费的能力为39%,蕉农希望政府补贴水平应达到60%。【结论】加大财政对农业保险的支持力度、深度和广度;积极开展农业保险产品创新,增加农业保险的有效供给;积极推进香蕉生产的规模化、专业化;启动农业保险发展的规划。

إنجليزي. [ Objective ] This article researches on the banana planters＇ willingness and capability of paying banana insurance, and provides the decision making basis for the government to optimize the system design of banana insurance. [ Method ] Based on the field survey of 1 167 banana planters in Hainan province, this article uses the Logistic and CVM model, and empirically studies the micro-affecting factors of banana planters＇ willingness and the estimation of ability to pay the banana insurance. [Result] The important factors that influence the banana planters to pay the banana insurance including： planting life, identity, level of education, varieties of banana, the influence level of the loss of the banana planting to the families＇ production and living, the proportion of the banana planting income in families＇ total income, whether it is a pilot area; the banana planters＇ average willingness premium rate is 0.14, the banana planters＇ capability of paying the insurance is 39%. Besides, banana planters hope that the government gives them subsidies of 60% of the premium. [ Conclusion ] The finance should enlarge the support intensity, depth and wideness of agricultural insurance; the agricultural insurance production should be positively innovated and the effective supply should be increased; the banana production should be scale and specialized; the development plan of the agricultural insurance should be started.