Demand Preference for Poverty Prevention Insurance in the Areas that Have Been Lifted out of Poverty in the New Development Stage：An Empirical Study Based on Choice Experiment Method

SUN Luyun

doi:10.12371/j.ynau(s).202404065

Volume 18 Issue 5

Sep. 2024

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Journal of Yunnan Agricultural University (Social Science) > 2024 > 18(5): 49-55. > DOI: 10.12371/j.ynau(s).202404065

SUN Luyun. Demand Preference for Poverty Prevention Insurance in the Areas that Have Been Lifted out of Poverty in the New Development Stage：An Empirical Study Based on Choice Experiment Method[J]. Journal of Yunnan Agricultural University (Social Science), 2024, 18(5): 49-55. DOI: 10.12371/j.ynau(s).202404065

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Demand Preference for Poverty Prevention Insurance in the Areas that Have Been Lifted out of Poverty in the New Development Stage：An Empirical Study Based on Choice Experiment Method

DOI: 10.12371/j.ynau(s).202404065

SUN Luyun^{1, 2, 3,}

1.
College of Finance and Mathematics, West Anhui University, Lu’ an 237012, China
2.
Anhui Provincial Key Laboratory of Philosophy and Social Sciences for Data Intelligence and Rural Revitalization of Dabie Mountains, West Anhui University, Lu’ an 237012, China
3.
Anhui Engineering Research Center for Eco-agriculture of Traditional Chinese Medicine, Lu’ an 237012, China

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Received Date: April 07, 2024
Revised Date: May 08, 2024
Accepted Date: May 28, 2024
Available Online: June 19, 2024

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Abstract

Abstract

Accurately grasping farmers’ demand preference for poverty prevention insurance in the areas that have been lifted out of poverty in the new development stage is of great significance to further improve the poverty prevention insurance pilot and consolidate and expand the achievements of poverty alleviation. Using the discrete choice experiment method and the Mixed Logit model, this study analyzed the preferences and willingness to pay (WTP) of farming households in the areas that have been lifted out of poverty regarding key attributes of poverty prevention insurance. The research indicated that, the core attributes of insurance products played a vital role in determining the willingness of farming households to take up insurance. Specifically, higher coverage amounts and government premium subsidies significantly increased the demand for insurance among farming households, while higher insurance costs and delayed payouts markedly inhibit their willingness to be insured. Moreover, there was significant heterogeneity in the preference for different insurance attributes, particularly regarding premium subsidies and payout timeliness, whereas a more consistent high demand was observed for coverage amounts. WTP analysis further revealed that farming households were willing to pay extra premiums for higher coverage amounts and larger subsidy ratios, reflecting their strong emphasis on these attributes; at the same time, they showed a significant aversion to extended payout times.
- poverty prevention insurance,
- willingness to pay,
- choice experiment,
- Mixed Logit model

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Demand Preference for Poverty Prevention Insurance in the Areas that Have Been Lifted out of Poverty in the New Development Stage：An Empirical Study Based on Choice Experiment Method

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Demand Preference for Poverty Prevention Insurance in the Areas that Have Been Lifted out of Poverty in the New Development Stage：An Empirical Study Based on Choice Experiment Method

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