A test on adverse selection of farmers in crop insurance：Results from Inner Mongolia, China

ZHAO Yuan-feng; CHAI Zhi-hui; Michael S Delgado; Paul V Preckel

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A test on adverse selection of farmers in crop insurance：Results from Inner Mongolia, China

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摘要

Adverse selection is an operating risk of crop insurance. Based on survey data on crop insurance colected by questionnaires in Inner Mongolia, China, the paper uses non-parametric analysis and econometric models to estimate the relationship between conditions for crop production and farmers’ insurance decision in order to test the existence of farmers’ adverse selection. The results show farmers’ adverse selection does exist, but settling a claim by negotiation and premium subsidy from governments at al levels can defuse farmers’ adverse selection under the current system of crop insurance. Risk regionalization, heterogeneous insurance contract and product innovation may decrease adverse selection to some extent.

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来源
《农业科学学报（英文版）》 |2017年第2期|478-485|共8页
作者
ZHAO Yuan-feng; CHAI Zhi-hui; Michael S Delgado; Paul V Preckel;
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作者单位

Colege of Economics and Management, Inner Mongolia Agricultural University, Hohhot 010010, P.R.China;

Colege of Economics and Management, Inner Mongolia Agricultural University, Hohhot 010010, P.R.China;

Department of Agricultural Economics, Purdue University, West Lafayette 47907, USA;

Department of Agricultural Economics, Purdue University, West Lafayette 47907, USA;

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A test on adverse selection of farmers in crop insurance：Results from Inner Mongolia, China

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