数字农科院2.0

Is The One Province One Rate Premium Policy R.easonable For Chinese Crop I nsurance? The Case In Jilin Province

文献类型： 外文期刊

作者： Liao Pu;Zhou Xian-hua;Wang Ke

作者机构：

关键词： crop insurance; premium; spatial correlation; spatial lag model

期刊名称： JOURNAL OF INTEGRATIVE AGRICULTURE

ISSN： 2095-3119

年卷期： 2018 年 17 卷 8 期

页码：

摘要： Crop insurance in China is currently adopting the premium pricing strategy of "One Province One Rate", which appears to be in line with the systematic risk characteristics within crop insurance. This research aims to investigate the theoretical rationalization of this pricing strategy and its implications using the spatial lag model and the county-level data from the 45 corn plant counties of Jilin Province, China. Results corroborate that: (1) the spatial spillover effect of the corn yield risk is significant in Jilin but decreases rapidly when the risk unit includes more than eight counties; and (2) separating Jilin Province into eight risk zones for corn insurance will significantly reduce the high cross-subsidy phenomenon arising from the "One Province One Rate" strategy and shall benefit poor peasants in the region as well. This paper not only proves the existence of a systematic risk of crop insurance but also reveals that the spatial correlation and systemic features of the crop yield risk do not create a solid foundation for the current pricing strategy of "One Province One Rate". These conclusions will undoubtedly provide important references and empirical evidence for the role of China's crop insurance in poverty alleviation.

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