ZHANG Qiwen,CHEN Xi.Empirical Analysis of Farmers′ Demand Willingness for Agricultural Insurance and Its Influencing Factors[J].Northern Horticulture,2019,43(23):157-163.[doi:10.11937/bfyy.20184306]
农户农业保险需求意愿及其影响因素实证分析
- Title:
- Empirical Analysis of Farmers′ Demand Willingness for Agricultural Insurance and Its Influencing Factors
- Keywords:
- agricultural insurance; demand intention; affecting factors
- 文献标志码:
- A
- 摘要:
- 以黑龙江省呼兰区、阿城区、五常市、巴彦县、宾县、依兰县的农户作为调查对象，运用Logit模型，选取被调查农户的个人特征信息和农户对农业保险的认知程度这2类指标共10个变量作为数据进行研究分析影响农户保险需求意愿的因素。结果表明：农户个人特征信息对农业保险需求意愿有一定程度的影响；农户对农业保险的认知程度对农户农业保险需求意愿也有一定程度的影响。因此，提出提高农户对农业风险的意识水平、提升农民对农业保险的购买力、强化政策性农险的主导地位、因地制宜创新农业保险险种和扩大保险责任等政策建议。
- Abstract:
- Taking Hulan district，Acheng district，Wuchang city，Bayan county，Bin county and Yilan county of Heilongjiang Province as the survey objects，used Logit model，the personal characteristics information of the surveyed farmers and the cognition degree of farmers to agricultural insurance were selected as the data to study and analyze the factors affecting the insurance demand willingness of farmers.The results showed that the farmers′ personal characteristics information had a certain degree of influence on the demand willingness of agricultural insurance，and the farmers′ cognition of agricultural insurance also had a certain degree of influence on the demand willingness of agricultural insurance.Therefore，some policy suggestions were put forward，such as improving farmers′ awareness of agricultural risks，enhancing farmers′ purchasing power for agricultural insurance，strengthening the leading position of policy-based agricultural insurance，innovating agricultural insurance types and expanding insurance liability according to local conditions.
参考文献/References:
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备注/Memo
第一作者简介：张启文（1967-），男，博士，教授，研究方向为农村金融。E-mail:5390748@qq.com.基金项目：黑龙江省社科基金资助项目（18JYD107）。收稿日期：2019-03-08