| Summary: | 碩士 === 國立中興大學 === 應用經濟學系所 === 96 === This study examines the poultry farmers to the highly pathogenic avian influenza (HPAI) risk perception and the volume of disease information. After analyzing the factors which influenced their decision on poultry''s disease insurance, we also evaluate the willingness to pay on the demand of the specific insurance program, which may provide the information to the both public and private sectors in strategic implementations.
964 farmers from three different kinds of bird farms, which include chicken, duck and geese, were interviewed and the data was collected during the October and November of 2007. Empirical results are as follows:
1、 The interviewed farmers were the ones who perceived high riskiness on the HPAI disease and valued disease precaution information more. Significant positive response was observed on the bird farmers to divert their potential losses which caused by threat of severe diseases by buying the disease insurance policy.
2、 Estimating the decision demand equation of insurance policy, coefficients on “age”, “education”, “birds per batch”, “bird pattern” and “risk perception” were positive and statistically significant, but the coefficient for the “volume of received information” was negative with the statistical significance. After calculating the marginal effects for individual variables in the Logit equation from above, it implied that the probability of buying insurance for a certain farmers was significantly influenced by “age”, “education”, “bird pattern”, “birds per batch”, “risk perception” and “information volume”.
3、 Based on the willingness to pay on premium condition, this study estimated the premium expenditure functions both on real and potential aspects, respectively. Statistical results implied that reactions for “birds per batch” and “risk perception” were positive and significant, but “age” was significant with opposite direction. Furthermore the variables, says “age”, “education” and “birds'' cage capacity”, presenting the divert responses between the decision behavior and the expending amount on facing insurance policy. One conclusion can be addressed that: “the person who is with higher willingness on disease insurance participation may not necessarily reflect a higher amount of premium that he is willing to pay for the coverage.”
4、 Following the related coefficients, this study estimated that the bird farms’ average premium rates on real and potential insurances were 1.8963% and 1.4013%, respectively.
According to the statistical results, this study suggests that the administrations should provide accurate and easy-access information related with the diseases to the farmers. Due to the significant and positive requests to the insurance policy from the interviewers, the insurers should pay more attention on the potential customers who currently present limited interest on the policy. With a reasonable financial consideration, administration may also adopt the current package for hog sector to subsidy the premium at the beginning stage to encourage the farmers to join the policy.
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