气候变化领域集成服务门户(CCPortal): Residents' Preferences for Rural Housing Disaster Insurance Attributes in Central and Western Tibet

CCPortal

DOI	10.1007/s13753-023-00469-y
	Residents' Preferences for Rural Housing Disaster Insurance Attributes in Central and Western Tibet
	Yang, Tingting; Li, Zitong; Bai, Yuan; Liu, Xinli; Ye, Tao
发表日期	2023
ISSN	2095-0055
EISSN	2192-6395
起始页码	697
结束页码	711
卷号	14 期号:4
英文摘要	Understanding the heterogeneous preferences of individuals for disaster insurance attributes is critical for product improvement and policy design. In an era of global environmental change, the Qinghai-Tibet Plateau is a hotspot of natural hazards. Improving the capability of rural housing disaster insurance to foster local residents' disaster resilience is of great significance but remains under addressed. We used a discrete choice experiment approach to provide the first estimates of rural residents' preferences for rural housing disaster insurance attributes in central and western Tibet. We estimated residents' preferences and willingness-to-pay for the sum insured, subsidy rate, insured object, and perils covered. The potential impacts of increasing the sum insured, expanding the insured object, and lowering subsidy rates were evaluated. Our results suggest that residents prefer products with a high sum insured, high subsidy rate, and a complete list of insured objects. Residents who have experienced specific hazards tend to prefer the corresponding perils covered. Females and residents who have a closer social network are more likely to purchase insurance. Product improvement and policy simulation results suggest that, while lowering the subsidy rate, increasing the sum insured and expanding the insured object could promote participation and improve residents' welfare. Our results could improve the understanding of the preferences of households in remote regions and support policy implementations.
关键词	Discrete choice experiment Preference for insurance attributes Qinghai-Tibet Plateau Rural housing disaster insurance Willingness-to-pay
英文关键词	WILLINGNESS-TO-PAY; CROP INSURANCE; CLIMATE-CHANGE; MIXED LOGIT; CONTINGENT VALUATION; CHOICE EXPERIMENTS; FLOOD RISK; DEMAND; MODELS
WOS研究方向	Geosciences, Multidisciplinary ; Meteorology & Atmospheric Sciences ; Water Resources
WOS记录号	WOS:000928897000002
来源期刊	INTERNATIONAL JOURNAL OF DISASTER RISK SCIENCE
文献类型	期刊论文
条目标识符	http://gcip.llas.ac.cn/handle/2XKMVOVA/282636
作者单位	Beijing Normal University; Peking University; Beijing Normal University; Beijing Normal University; Beijing Normal University
推荐引用方式 GB/T 7714	Yang, Tingting,Li, Zitong,Bai, Yuan,et al. Residents' Preferences for Rural Housing Disaster Insurance Attributes in Central and Western Tibet[J],2023,14(4).
APA	Yang, Tingting,Li, Zitong,Bai, Yuan,Liu, Xinli,&Ye, Tao.(2023).Residents' Preferences for Rural Housing Disaster Insurance Attributes in Central and Western Tibet.INTERNATIONAL JOURNAL OF DISASTER RISK SCIENCE,14(4).
MLA	Yang, Tingting,et al."Residents' Preferences for Rural Housing Disaster Insurance Attributes in Central and Western Tibet".INTERNATIONAL JOURNAL OF DISASTER RISK SCIENCE 14.4(2023).