Delayed Premium Payment, Insurance Adoption, and Household Investment in Rural China
通过随机对照试验，研究了延迟保费支付对中国小农户保险购买及后续生产投资决策的影响，发现延迟支付使保险采纳率提高10%，并促进了家庭生产投资，尤其是高风险活动。
We conduct a randomized controlled trial to examine the impacts of delayed premium payment on insurance uptake and the subsequent investment decisions among smallholder farmers in rural China. Our results show uptake among those with the delayed payment option is 10% higher than and three times as high as among those without the option. We also find a positive impact of delayed premium payment and insurance adoption on household investment in production, especially higher risk activities.