海南香蕉风灾保险补贴效率分析
Subsidy efficiency analysis on banana windstorm insurance in Hainan
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摘要: 为提高财政资金使用效率，在新的保险条款背景下对海南香蕉风灾保险补贴效率进行研究。利用条件价值法获取海南省澄迈县、乐东县和东方市3 个香蕉风灾保险试点地区蕉农对香蕉风灾保险的支付意愿，并运用福利经济学方法对政策性香蕉风灾保险补贴效率进行研究，分别测算补贴为0、20%、30%、40%、50%、60%、70%、80% 和100% 时的福利变化。研究结果表明：政府对香蕉风灾保险进行补贴符合效率原则，保费补贴达到100% 时，澄迈县、乐东县和东方市的成本净福利倍数分别为0.34、0.17 和0.22，与未补贴相比是有效率的；香蕉风灾保险补贴效率因区域和补贴率的不同而不同；香蕉风灾保险补贴效率与补贴率呈负相关关系。此外，基于研究结果提出提高香蕉风灾保险补贴效率的对策建议。Abstract: In order to improve use efficiency of fiscal funds，it is necessary to study subsidy efficiency of banana windstorm insurance in Hainan under the background of new insurance clause. By using contingent valuation method，this paper got banana farmers’ willingness to pay for banana windstorm insurance in three banana windstorm insurance pilot areas：Chengmai County，Ledong County and Dongfang City in Hainan Province，and studied the subsidy efficiency of policy banana windstorm insurance by welfare economics method，and calculated welfare changes in the case of subsidy proportion from 0% to 20%，30%，40%，50%，60%，70%，80% and 100%. The results showed that government subsidy for banana windstorm insurance accorded with efficiency principle，when premium subsidy was 100%，cost net benefit multiples for Chengmai County，Ledong County and Dongfang City were 0.34，0.17 and 0.22，which were efficient compared with no subsidy；subsidy efficiency of banana windstorm insurance was different under different regions and subsidy rates ；subsidy efficiency of banana windstorm insurance was negatively correlated with subsidy rate. In addition，this paper put forward suggestions to improve subsidy efficiency of banana windstorm insurance.
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