Parametric insurance and technology adoption in developing countries

被引：9

作者：

Biffis, Enrico ^{[1
]}

Chavez, Erik ^{[1
]}

Louaas, Alexis ^{[2
]}

Picard, Pierre ^{[2
]}

机构：

[1] Imperial Coll Business Sch, Brevan Howard Ctr Financial Anal, South Kensington Campus, London SW7 2AZ, England

[2] Ecole Polytech, CREST, Paris, France

来源：

GENEVA RISK AND INSURANCE REVIEW | 2022年 / 47卷 / 01期

关键词：

Parametric insurance; Crop insurance; Moral hazard; Credit rationing; Technology adoption; CLIMATE-CHANGE; GREEN-REVOLUTION; RISK-MANAGEMENT; FINANCIAL INTERMEDIATION; CREDIT; DECISIONS; PRODUCTIVITY; AGRICULTURE; UNCERTAINTY; ADAPTATION;

D O I：

10.1057/s10713-020-00061-0

中图分类号：

F8 [财政、金融];

学科分类号：

0202 ;

摘要：

Technology adoption is crucial for the development of low-income countries. This paper investigates how parametric insurance can contribute to improving access to finance, and hence to technology, for smallholder farmers. In a model with moral hazard, we show that bundling parametric insurance with loans may lower collateral requirements, thus promoting the financial inclusion of poor households. The case of agricultural input loans and weather-index insurance is studied in detail and related to bundled finance solutions recently piloted among smallholder farmers in Tanzania.

引用

页码：7 / 44

页数：38

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