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농가의 농작물재해보험 가입에 영향을 미치는 요인에 관한 연구A Study on the Determinant Factors Affecting the Purchase of Crop Insurance by Farmers
- Other Titles
- A Study on the Determinant Factors Affecting the Purchase of Crop Insurance by Farmers
- Issue Date
- 2022
- Publisher
- 한국식품유통학회
- Keywords
- Crop insurance; Production risk; Insurance premium; hidden information
- Citation
- 식품유통연구, v.39, no.2, pp.21 - 40
- Indexed
- KCI
- Journal Title
- 식품유통연구
- Volume
- 39
- Number
- 2
- Start Page
- 21
- End Page
- 40
- ISSN
- 1598-9925
- Abstract
- This study analyze the determinant factors that affect the purchase of crop insurance, using the survey data of 374 farmers. In the estimated result, farmers are found to buy insurance in areas where strong winds and heavy rains occur frequently. The risk of production reduction faced by individual farmers is the hidden information that is difficult for insurance companies to acquire, which makes it harder to be reflected in insurance premiums. Analytical results suggest that insurance premiums are likely to be underestimated. However, on the other hand, it is suggested that increasing the premiums by insurance companies could harm insurance-purchasing rates by farmers.
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