动物疾病保险还剩下什么吗? 一个选择实验方法
Jaakko Heikkilä1, Jarkko K Niemi1,2, Katriina Heinola1
1Economics and Society, Natural Resources Institute Finland (Luke), Latokartanonkaari 9, Helsinki, FI-00790 Finland.
Review of agricultural, food and environmental studies
|April 16, 2024
概括
生产者表现出不太愿意支付动物疾病保险费用,即使有完整的损失保险. 对那些对农场保险感兴趣的人来说,低自扣额是最有吸引力的特点.
科学领域:
- 农业经济学 农业经济学
- 风险管理 风险管理
- 兽医公共卫生 兽医公共卫生
背景情况:
- 目前,动物疾病保险在欧洲动物生产中未得到充分利用.
- 生产者往往依靠公共补偿计划而不是私人保险.
- 了解生产者偏好对于开发有效的保险产品至关重要.
研究的目的:
- 评估芬兰生产者支付动物疾病保险的意愿.
- 确定影响采用动物疾病保险的关键属性.
- 根据他们对保险产品的兴趣对生产商进行细分.
主要方法:
- 芬兰进行了一项农场调查.
- 使用选择实验方法来评估保险偏好.
- 隐性类别分析被用来识别不同的生产者群体.
主要成果:
- 生产者支付动物疾病保险的意愿通常很低.
- 低自扣额度显著增加了购买保险的可能性.
- 确定了四个生产者细分市场:无兴趣的,有兴趣的弱,有兴趣的强,以及以生物安全为重点,但不喜欢保险的.
结论:
- 商业动物疾病保险可能需要补贴或增强吸引力以增加采用率.
- 在具有良好的生物安全性的大型农场的年轻,受过教育的生产者表现出更高的保险利益.
- 很大一部分生产者可能仍然认为动物疾病保险是不必要的.
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