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Rural Households' Livelihood Capital, Risk Perception, and Willingness to Purchase Earthquake Disaster Insurance: Evidence from Southwestern China
Xu, Dingde1; Liu, Enlai2; Wang, Xuxi3; Tang, Hong1; Liu, Shaoquan4
2018-07-01
Source PublicationINTERNATIONAL JOURNAL OF ENVIRONMENTAL RESEARCH AND PUBLIC HEALTH
ISSN1660-4601
Volume15Issue:7Pages:19
AbstractEarthquake disaster insurance can effectively reduce the impact of earthquake disasters on rural households. Exploring rural households' willingness to purchase earthquake disaster insurance in earthquake disaster areas provides an understanding of the motivations underlying the implementation of an insurance policy. However, few studies have examined the perspectives of rural households, in order to explore the correlations between the rural households' livelihood capital, their disaster risk perception, and their willingness to purchase earthquake disaster insurance. A cross-sectional survey data including 241 rural households from the most severe disaster counties (cities) during the 5 center dot 12 Wenchuan earthquake was examined with regard to rural households' livelihood and disaster risk perception, and ordinal logistic regression models were constructed to explore rural households' willingness to purchase earthquake disaster insurance, as well as the driving mechanism behind this willingness. The results showed that 34.44% of rural households were very willing to purchase earthquake disaster insurance, and 7.05% of rural households were very reluctant to purchase earthquake insurance. Rural households' livelihood capital and risk perceptions were the most important factors affecting their willingness to purchase earthquake disaster insurance. Rural households with higher scores on natural capital, physical capital, possibility, and worry were more likely to purchase earthquake disaster insurance. Specifically, keeping all other variables constant, every one unit increase in nature capital and physical capital corresponded to an increase in the odds of willingness to purchase earthquake disaster insurance by a factor of 0.14 and 0.06, respectively; every one unit increase in possibility and worry corresponded to an increase in the odds of willingness to purchase earthquake disaster insurance by a factor of 0.03 and 0.04, respectively. This study contributes to the current literature by increasing the understanding of the relationships between Chinese rural households' livelihood capital and risk perceptions, and their willingness to purchase earthquake disaster insurance.
Keywordlivelihood capital risk perception disaster insurance willingness Wenchuan earthquake China
DOI10.3390/ijerph15071319
WOS KeywordGORGES RESERVOIR AREA ; FLOOD INSURANCE ; CLIMATE-CHANGE ; POVERTY VULNERABILITY ; ADAPTATION ; EXPERIENCE ; RESPONSES ; AGRICULTURE ; MANAGEMENT ; MIGRATION
Language英语
Funding ProjectNational Natural Science Foundation of China[41571527] ; National Natural Science Foundation of China[41601614] ; National Natural Science Foundation of China[41701622] ; Sichuan Center for Rural Development Research Project[01781912] ; Ministry of Education Humanities and Social Science Research Youth Fund Project[17YJC630136]
WOS Research AreaEnvironmental Sciences & Ecology ; Public, Environmental & Occupational Health
WOS SubjectEnvironmental Sciences ; Public, Environmental & Occupational Health
WOS IDWOS:000445543500025
Funding OrganizationNational Natural Science Foundation of China ; Sichuan Center for Rural Development Research Project ; Ministry of Education Humanities and Social Science Research Youth Fund Project
PublisherMDPI
Citation statistics
Cited Times:19[WOS]   [WOS Record]     [Related Records in WOS]
Document Type期刊论文
Identifierhttp://ir.imde.ac.cn/handle/131551/23898
Collection山区发展研究中心
Corresponding AuthorXu, Dingde; Liu, Shaoquan
Affiliation1.Sichuan Agr Univ, Coll Management, Sichuan Ctr Rural Dev Res, Chengdu 611130, Sichuan, Peoples R China
2.Geog Natl Condit Monitoring Engn Res Ctr Sichuan, 2 Xinjun St, Chengdu 610599, Sichuan, Peoples R China
3.China West Normal Univ, Coll Land & Resources, Nanchong 637000, Peoples R China
4.Chinese Acad Sci, Inst Mt Hazards & Environm, Chengdu 610041, Sichuan, Peoples R China
Corresponding Author Affilication中国科学院水利部成都山地灾害与环境研究所
Recommended Citation
GB/T 7714
Xu, Dingde,Liu, Enlai,Wang, Xuxi,et al. Rural Households' Livelihood Capital, Risk Perception, and Willingness to Purchase Earthquake Disaster Insurance: Evidence from Southwestern China[J]. INTERNATIONAL JOURNAL OF ENVIRONMENTAL RESEARCH AND PUBLIC HEALTH,2018,15(7):19.
APA Xu, Dingde,Liu, Enlai,Wang, Xuxi,Tang, Hong,&Liu, Shaoquan.(2018).Rural Households' Livelihood Capital, Risk Perception, and Willingness to Purchase Earthquake Disaster Insurance: Evidence from Southwestern China.INTERNATIONAL JOURNAL OF ENVIRONMENTAL RESEARCH AND PUBLIC HEALTH,15(7),19.
MLA Xu, Dingde,et al."Rural Households' Livelihood Capital, Risk Perception, and Willingness to Purchase Earthquake Disaster Insurance: Evidence from Southwestern China".INTERNATIONAL JOURNAL OF ENVIRONMENTAL RESEARCH AND PUBLIC HEALTH 15.7(2018):19.
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