地震巨灾保险一直是我国地震灾害风险共担体系的重要组成部分。本文基于2023年1月26日四川泸定5.6级地震问卷调查数据,探索居民风险感知对巨灾保险需求的影响,以期改善地震巨灾保险具体推广路径。实证分析结果表明,存在地震经历、心理恐慌程度、地震保险认知这三种风险感知因子对地震巨灾保险需求产生正向影响。此外,附加政府补贴政策的巨灾保险产品,更容易得到居民的认可。因此,我国巨灾保险的推广,尤其是在地震多发区,要坚持长期普及和灾时宣传相结合的策略。在当前的地震保险推广过程中,仍然需要继续实行附加政府补贴的政策,将有利于我国巨灾保险的健康发展。

Earthquake catastrophe insurance has always been an important component of China's earthquake disaster risk sharing system. The article is based on the survey data of the Luding M5.6 earthquake in Sichuan Province,exploring the impact of residents' risk perception on the demand for earthquake catastrophe insurance,in order to improve the specific promotion path of earthquake catastrophe insurance. The empirical analysis results indicate that three risk perception factors,namely earthquake experience,psychological panic level,and earthquake insurance awareness,have a positive impact on the demand for earthquake catastrophe insurance. In addition,catastrophe insurance products with additional government subsidy policies are relatively more recognized and accepted by residents. Therefore,the promotion of catastrophe insurance in China,especially in earthquake prone areas,should adhere to a strategy that combines long-term popularization and disaster publicity. In the current process of promoting earthquake insurance,it is still necessary to continue implementing the policy of additional government subsidies,which is more conducive to the healthy development of China's catastrophic insurance.

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国家社会科学基金(20BJY265)、中央高校基本科研业务费研究生科技创新基金(ZY20240345)共同资助