The Effect of Microinsurance on Economic Activities: Evidence from a Randomized Field Experiment
通过随机田野实验，研究发现促进农户购买母猪保险能显著提高母猪产量，且效果持续，并非替代其他牲畜。
© 2015 by the President and Fellows of Harvard College and the Massachusetts Institute of Technology.We report results from a large, randomized field to study how access to formal microinsurance affects production and economic development. We induce exogenous variation in insurance coverage at the village level by randomly assigning performance incentives to the village animal husbandry worker who is responsible for signing farmers up for the insurance. We find that promoting greater adoption of insurance significantly increases farmers' sow production, and this effect seems to persist in the longer run; moreover, the increase in sow production in response to the sow insurance does not seem to be the result of the substitution of other livestock.