基于居民支付意愿的洪水保险定价研究
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引用本文:张琳, 唐林娟.基于居民支付意愿的洪水保险定价研究[J].财经理论与实践,2012,(6):31-36
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张琳, 唐林娟 (1.湖南大学 金融与统计学院湖南 长沙410079 2.中国太平财产保险公司精算部,广东 深圳518000) 
中文摘要:洪水保险的合理定价是制约洪水保险建立和推广的瓶颈之一,以往的洪水保险定价研究都是从供给的角度考虑的,而供给与需求之间存在差异。为了探索居民对于洪水保险的需求价格,从居民的洪水保险支付意愿出发,运用条件价值评估法(CVM法),借助调查问卷,实证分析得出:我国居民洪水保险支付意愿价格为81元,并分析了对于支付意愿的影响因素。
中文关键词:洪水保险  WTP  CVM  定价
 
A Study on Flood Insurance Pricing Based on Residents' Willingness to Pay
Abstract:The reasonable pricing of flood insurance is one of the bottlenecks to establish and promote flood insurance scheme. The flood insurance used to be priced on supplier views, however, there is a big gap between supply and demand. To test the demand pricing of flood insurance, residents' the willingness to pay is considered applying the method of CVM and questionnaire. By empirical analysis the flood insurance should be 81RMB. The factors which effect on willingness to pay are also analyzed in this paper.
keywords:Flood isurance  WTP  CVM  Pricing
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