农户对农业保险需求的实证分析——以江苏省涟水县为例

Empirical Study on Farmer's Agricultural Insurance Demand——A Case Study in Lianshui

以江苏省涟水县农业保险的调查数据为例,论述了该县实施政策性农业保险的现状,并运用Logit模型探索了影响农户参加农业保险的各个因素。实证检验结果表明:农户参加农业保险的意愿主要受其对农业保险的认知情况、政府补贴水平以及农户的投保满意度三个方面因素的影响。同时也证明了地方政府实施的"联办共保"的补贴性保险模式极大的促进了农户参与农业保险的积极性。最后提出了进一步推进农业保险发展的政策建议。

Taking the agricultural insurance data of Lianshui as an example, the present situation of agricultural insurance in Lianshui is dissertated. Logit model is adopted to demonstrate the influencing factors for farmers to participate in the agricultural insurance. The results show that the degree of farmer＇s cognitive aware- ness, governmental subsidies and satisfaction for agriculture insurance are three important factors. It is also proved that the local government＇s co-insurance policy raises the enthusiasm of farmer＇s agriculture insurance. Finally the policy-based recommendations for local government to promote further development of agricultural insurance are put forward.