文档介绍：本科毕业论文外文翻译
外文题目:Is there mercially viable market for crop insurance in rural Bangladesh?
出处: Mitig Adapt Strateg Glob Change (2009) 14:215–229
作者: Sonia Akter, Roy Brouwer, Saria Choudhury, Salina Aziz
原文
Is there mercially viable market for crop insurance in rural Bangladesh?
Abstract:The study aims to assess mercial viability of a potential crop insurance market in Bangladesh. In a large scale household survey, agricultural farm households were asked for their preferences for a hypothetical crop insurance scheme using double bounded(DB) contingent valuation (CV) method. Both revenue and production cost based indemnity payment approaches were applied to assess mercial viability of a crop insurance program assuming a partner-agent (PA) model of insurance supply. Crop insurance is found mercially viable in riverine flood plain areas. The expected indemnity payable consistently exceeds the expected insurance premium receivable by the insurer for the households living in wetland basin and coastal floodplain. We conclude that a uniform structure of crop insurance market does not exist in Bangladesh. The nature of the disaster risks faced by the farm households and the socioeconomic characteristics of the rural munities need to be taken into careful consideration while designing such an insurance scheme.
Key words: Crop insurance; Commercial viability; Willingness to pay; Double bounded contingent valuation ; Bangladesh
Introduction
Agriculture contributes one quarter of the Bangladesh GDP and is the source of employment for more than 80% of the rural population. Weather related risk is a major
source of e fluctuations for agricultural households in Bangladesh. Both coastal as well as inland farm households face natural disaster risks due to its geographical location and very low land elevation. The increased volume of rainfall and other catastrophic events caused by climate change during the past decades have intensified the livelihood risk faced by agricu