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Developing a spatially-explicit, sustainable and risk-based insurance scheme to mitigate human-wildlife conflict
Chen, Shu; Yi, Zhuang-Fang; Campos-Arceiz, Ahimsa; Chen, Ming-Yong; Webb, Edward L.
2013
Source PublicationBIOLOGICAL CONSERVATION
ISSN0006-3207
Volume168Issue:xPages:31-39
AbstractInsurance may encourage coexistence between farmers and wildlife by reimbursing farmers' losses. China introduced an insurance scheme to mitigate human-elephant conflict in Xishuangbanna Dai autonomous prefecture in Yunnan Province, where elephants cause damage to rubber plantations. However, recent experience has suggested that the present insurance system exhibits poor performance related to funding shortfalls, undervaluing of plantations and insufficient payouts, and by limiting community involvement. To address these shortcomings we conducted attitude surveys with farmers, and developed an actuarial (risk-based) insurance model for rubber loss that incorporated spatially-explicit risk of depredation and net present value of rubber at damage, in order to calculate fair payouts at village and town levels for the year 2011. Farmers were largely dissatisfied with the current insurance system, and their level of satisfaction was associated with the compensation ratio (percentage of lost rubber reimbursed by insurance). The illustrative results based on 2011 rubber loss data revealed high variability in risk and therefore payouts (and further, premiums) and that fair insurance payouts would be approximately five times the current levels. To improve compensation and support long-term program sustainability, we considered an insurance cost-sharing mechanism that incorporated shared payments from government, rubber farmers, and Chinese tourists. We found that multiple stakeholders were willing to pay for elephant conservation, which could make significant contributions to insurance premiums over the long term. Importantly, this proposed insurance model could be broadly applicable to livestock and long-lived cash crop compensation systems. (C) 2013 Elsevier Ltd. All rights reserved.
Subject AreaBiodiversity & Conservation ; Environmental Sciences & Ecology
Language英语
Document Type期刊论文
Identifierhttp://ir.xtbg.org.cn/handle/353005/10490
Collection其他
Recommended Citation
GB/T 7714
Chen, Shu,Yi, Zhuang-Fang,Campos-Arceiz, Ahimsa,et al. Developing a spatially-explicit, sustainable and risk-based insurance scheme to mitigate human-wildlife conflict[J]. BIOLOGICAL CONSERVATION,2013,168(x):31-39.
APA Chen, Shu,Yi, Zhuang-Fang,Campos-Arceiz, Ahimsa,Chen, Ming-Yong,&Webb, Edward L..(2013).Developing a spatially-explicit, sustainable and risk-based insurance scheme to mitigate human-wildlife conflict.BIOLOGICAL CONSERVATION,168(x),31-39.
MLA Chen, Shu,et al."Developing a spatially-explicit, sustainable and risk-based insurance scheme to mitigate human-wildlife conflict".BIOLOGICAL CONSERVATION 168.x(2013):31-39.
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