农户保险需求影响因素实证分析——以贵州铜仁地区为例

The Determinants of Demand for Farmer＇s Insurance： A Case Study of Tongren, Guizhou Province

本文就2005年对贵州铜仁地区展开的农户金融行为研究调查问卷．运用Probit模型分别对包舍强制性约束的广义农户保险需求以及自主条件下农户保险需求的影响因素进行了探讨．研究发现：①包含强制性约束的广义农户保险需求以及自主条件下农户保险需求是有差异的，而代表了农户自主支付意愿的保险需求信息对保险公司而言才是有价值的信息；②两个模型在家庭财富变量的作用方向以及数量大小方面有较强的相似；④户主年龄以及家庭规模在广义农户保险需求模型中作用方向为负．而在自主条件下为正；家庭收入来源的多样化在广义农户保险需求模型中作用方向为正．而在自主条件下为负；家庭劳动力负担率、教育程度、土地规模影响广义农户保险需求．而不影响自主条件下的农户需求。

Using field survey data about rural household finance in Tongren Guizhou Province. this paper builds a Probit model to test the determinants of farmers＇ demand for finance with and without compulsory constraints. The results show that： （1） the demands for insurancc under conditions with and without compulsory constraints are different. For insurance companies, demand is decided by farmer＇s themselves, i.e. non-compulsory constraint demand; （2） the two models showed similar results based on household wealth ; （3） the age of housemaster and household scale had a negative effect on demand in constraint condition, but had a positive impact in the non- constraint condition. The diversification of farmer＇s income influences the farmer＇s demand for insurance positively in constraint condition, but negatively in non-constraint condition. The labor＇s burden rate, education and land scale affected the constrained demand, but did not affect the non- constrainedd emand.