国内农业保险需求影响因素研究综述

A Summary of the Research on the Influencing Factors of Agricultural Insurance Demand in China

农业保险是我国用来降低农业生产风险的重要工具,农业保险需求的影响因素是多元和复杂的,文章分别从农户个人、家庭、政府、保险供给方四个层面对农业保险需求影响因素进行综述。结论表明:对于同一指标,由于不同学者对其定义各异而存在不同的结论,文章尝试解释了此情况,并从数据获取、研究主体、变量定义、政府干预四个角度提出建议,以期为我国农业保险未来研究工作提供参考。

Agricultural insurance is an effective tool of reducing the risk of agricultural production in China.However,the influencing factors of agricultural insurance demand are diverse and complex.This paper summarizes the domestic literature on the influencing factors of agricultural insurance demand from the four aspects of farmers,families,government and insurance.For the same index,since scholars give different definitions to the same index and draw different conclusions.This paper attempts to explain this situation,and puts forward suggestions from four perspectives of data acquisition,research subjects,variable definitions and government intervention,in order to provide reference for the future research work of agricultural insurance in China.