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英文文献：The Effects of Area-based Revenue Protection on Producers’ Choices of Farm-level Revenue Insurance-基于区域的收入保护对生产者选择农业层面收入保险的影响
英文文献作者：Dismukes, Robert,Coble, Keith H.,Miller, Corey,O'Donoghue, Erik J.
英文文献摘要：
Producers’ increased reliance on crop insurance has led to concerns about losses producers could incur that are not covered by crop insurance. In the current farm bill debate, several proposals that would be based on area (county) revenue and are intended to cover a portion of producers’ crop insurance deductibles, referred to as “shallow loss” programs, have been advanced. We analyze, using an empirically-based simulation model and a certainty equivalent criterion, how shallow loss coverages might affect optimal coverage levels of farm-level revenue insurance for a moderately risk-averse producer. Our analysis suggests that area-based revenue insurance designs have some potential for causing producers to reduce coverage levels for farm-level revenue insurance, though the marginal differences in the certainty equivalents are often relatively small on a percentage basis.
生产者对农作物保险的依赖程度增加，导致人们担心生产者可能蒙受农作物保险不覆盖的损失。在当前的农业法案辩论中，一些以地区(县)收入为基础、旨在覆盖部分生产者作物保险免赔额的提案已经提出，这些提案被称为“浅层损失”项目。摘要本文利用一个基于经验的模拟模型和确定性等价准则，分析了浅层损失保险对中度风险厌恶生产者的农业收入保险的最优覆盖水平的影响。我们的分析表明，基于区域的收入保险设计有可能导致生产者降低农业收入保险的覆盖率水平，尽管确定性等价物的边际差异通常在百分比上相对较小。
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