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The effect of risk perception on the willingness to purchase hazard insurance-A case study in the Three Gorges Reservoir region, China

文献类型：期刊论文

作者Yang, Fan2; Tan, Jing2; Peng, Li1; Peng Li
刊名INTERNATIONAL JOURNAL OF DISASTER RISK REDUCTION
出版日期2020-05-01
卷号45页码:9
关键词Mountain hazard insurance Risk perception Prospect theory Risk reduction PLS-SEM
ISSN号2212-4209
DOI10.1016/j.ijdrr.2019.101379
通讯作者Peng, Li(pengli@imde.ac.cn)
英文摘要Natural hazard insurance is widely recognized as an implement for reducing risk to adverse environmental change such as mountain hazards. Rural households' willingness to purchase (WTP) for mountain hazard insurance may be affected by their risk perception. Notably, individuals generally behave following prospect theory under uncertain threats of mountain hazards. This paper uses the survey data (N = 348) from four counties with the most severe mountain hazards in the Three Gorges Reservoir Region, China. Partial least squares structural equation modeling (PLS-SEM) is utilized to verify 13 hypotheses which are proposed based on the prospect theory. The results show that: (1) Risk perception can be divided into five dimensions, namely, Probability factor (perceptions of the likelihood of hazard occurrence); Controlled factor (confidence in human efforts to survive hazard); Fear factor (worry or nervousness of suffering disaster); Experience factor (hazards experiences); and Unknown factor (ignorance associated with disaster). (2) The unknown factor, controlled factor, probability factor, and experience factor have a significant influence on WTP. However, the fear factor does not affect WTP. (3) The five risk perception dimensions have a significant direct impact on each other. These results support the hypothesis that people have limited abilities to process information and help understand better the influence of risk perception on the insurance purchasing decision.
WOS关键词PLS-SEM ; FLOOD ; AVAILABILITY ; HEURISTICS ; FREQUENCY ; MODELS ; PLACE ; AREAS ; SENSE
资助项目National Natural Science Foundation of China[41771194] ; National Natural Science Foundation of China[BEFS19004]
WOS研究方向Geology ; Meteorology & Atmospheric Sciences ; Water Resources
语种英语
WOS记录号WOS:000546981000002
出版者ELSEVIER
资助机构National Natural Science Foundation of China
源URL[http://ir.imde.ac.cn/handle/131551/35181]  
专题成都山地灾害与环境研究所_山区发展研究中心
通讯作者Peng, Li; Peng Li
作者单位1.Chinese Acad Sci, Inst Mt Hazards & Environm, Chengdu 610041, Peoples R China
2.Southwestern Univ Finance & Econ, China Western Econ Res Ctr, Chengdu 610074, Peoples R China
推荐引用方式
GB/T 7714		 Yang, Fan,Tan, Jing,Peng, Li,et al. The effect of risk perception on the willingness to purchase hazard insurance-A case study in the Three Gorges Reservoir region, China[J]. INTERNATIONAL JOURNAL OF DISASTER RISK REDUCTION,2020,45:9.
APA Yang, Fan,Tan, Jing,Peng, Li,&Peng Li.(2020).The effect of risk perception on the willingness to purchase hazard insurance-A case study in the Three Gorges Reservoir region, China.INTERNATIONAL JOURNAL OF DISASTER RISK REDUCTION,45,9.
MLA Yang, Fan,et al."The effect of risk perception on the willingness to purchase hazard insurance-A case study in the Three Gorges Reservoir region, China".INTERNATIONAL JOURNAL OF DISASTER RISK REDUCTION 45(2020):9.

入库方式： OAI收割

来源：成都山地灾害与环境研究所

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