刘鹏飞 侯玲玲 等 | 牲畜保险需求的决定因素：来自中国牧民的实验证据【转】

*中文标题和摘要系简单翻译，可能存在部分错误，请以英文为准。感谢北京外国语大学张明雪推荐本文，欢迎读者继续推荐优秀论文。

————

Abstract:

We provide the first evidence about insurance preferences among herders in pastoral regions in China. We estimate herders’ preferences for alternative insurance configurations based on a hypothetical and a consequential choice experiment, aiming to minimise hypothetical bias. Our results show that herders prefer the insurance plan in general with demand for livestock insurance increasing when insurance premiums decrease or payouts increase. The hypothetical bias only influences the willingness‐to‐pay estimates through the cost attribute, while the marginal rates of substitution of non‐cost attributes remain largely unchanged. The hypothetical treatment nearly doubles the magnitudes of willingness‐to‐pay estimates for some insurance attributes.

摘要简单翻译：

我们提供了有关中国牧区牧民保险偏好的第一个证据。我们基于一个假设的和连续的选择实验来估计牧民对替代保险配置的偏好，旨在最大程度地减少假设性偏差。我们的结果表明，随着保险费减少或支出增加，对牲畜保险的需求增加，牧民总体上偏爱保险计划。假设性偏差仅通过成本属性影响支付意愿估计，而非成本属性的边际替代率在很大程度上保持不变。对于某些保险属性，假设性的处理效应将支付意愿估计的幅度几乎提高了一倍。

原文链接（点击“阅读原文”跳转）：

http://doi.org/10.1111/1477-9552.12402

——END

相关阅读：