社会互动与农户天气指数保险需求OACHSSCD

Based on survey data from 670 coffee farmers in Yunnan province,this paper uses the Tobit model and the instrumental variable method to empirically analyze the impact and mechanism of social interaction on farmers'demand for weather index insurance.The results show that social interaction increases farmers'willingness to pay for weather index insurance.This effect operates primarily through two channels:endogenous interaction and situational interaction.Social interaction strengthens climate risk perception,thereby improving farmers'insurance literacy.Meanwhile,it enhances farmers'acceptance of insurance products through demonstration effects and trust transfer.Heterogeneity analysis reveals that the positive effect of social interaction on insurance demand is more pronounced among traditional small-scale farmers,farmers with high weather-risk attention,and those with lower income stability.Accordingly,it is proposed that when weather-index insurance products are promoted,full use should be made of the inherent social networks in rural communities,and grassroots-level information dissemination and experience-exchange mechanisms should be strengthened to boost the promotion effectiveness of such insurance.