森林保险支付意愿及影响因素分析——基于异质性营林主体视角

基于期望效用函数理论分析了异质性营林主体的森林保险支付意愿及差异,并以传统小林农和新型林业经营主体为研究对象,以福建省382户传统小林农和88户新型林业经营主体的调研数据为基础,综合运用条件估值法、卡方检验及Cox比例风险模型,对异质性营林主体的森林保险支付意愿与差异及支付意愿影响因素进行对比与分析。研究表明：传统小林农和新型林业经营主体的森林保险意愿支付水平存在显著差异,在1000~2500元/亩保障水平下,传统小林农的意愿支付水平分别为1.911元/亩、2.941元/亩、3.532元/亩及3.979元/亩,新型林业经营主体为1.632元/亩、3.971元/亩、5.809元/亩及6.864元/亩;两类营林主体的支付意愿均随保额的提高而提高,但新型林业经营主体的提升幅度远高于小林农。异质性营林主体的森林保险支付意愿影响因素也存在明显差别,这与其在森林保险认知特征、林业生产经营特征、林业灾损特征、森林保险产品评价特征等方面存在显著差异有关。此外,林地面积对两类营林主体支付意愿均具有显著影响,规模化、集约化的林业生产经营可促进林业经营主体的森林保险愿意支付水平。

Analysis of willingness to pay for forest insurance and its influencing factors: From the perspective of heterogeneous forestry operators

Based on the expected utility function theory, this paper analyzed the willingness to pay for forest insurance and the difference of heterogeneous forest operators. Based on the survey data of 382 small forest farmers and 88 new forestry operators in Fujian province, the differences and influencing factors of willingness to pay of heterogeneous forestry operators were explored by using contingent valuation method (CVM) and Cox proportional hazards model. The results show that there are significant differences in the willingness to pay level of forest insurance between the traditional small forest farmers and the new forest operators, at four protection levels ranging from 1000-2500 yuan/mu, the pay willingness of the traditional small forest farmers is 1.911 yuan/mu, 2.941 yuan/mu, 3.532 yuan/mu and 3.979 yuan/mu, respectively, and that of the new forest operators is 1.632 yuan/mu, 3.971 yuan/mu, 5.809 yuan/mu and 6.864 yuan/mu, respectively. The willingness to pay of the two types of forest operators increased with the increase of the insured amount, but the increase of the new forest operators is much larger than that of the small forest farmers. Meanwhile, there are significant differences in the influencing factors of willingness to pay for forest insurance of heterogeneous forest operators, which is related to the obvious differences in the cognitive characteristics of forest insurance, the characteristics of forest production and management, the characteristics of forest damage, and the evaluation characteristics of forest insurance products. In addition, the area of forest land has a significant impact on the willingness to pay of the two types of forest operators, which indicates that large-scale and intensive forestry production and management could enhance the willingness to pay level of forest insurance.