影响农户参与农业保险意愿的因素分析——基于陕西奶牛和苹果保险试点的调查分析

Analysis of the Factors Affecting the Farmers' Willingness to Pay for Agricultural Insurance——Based on the Surveying of the Cow and Apple Insurance in Shanxi Province

陕西省于2007年7月分别在泾阳县和洛川县实施了奶牛和苹果政策性农业保险的试点。2007年11月笔者在泾阳县和洛川县以问卷调查方式对239户奶牛养殖户和苹果种植户进行了实地调查。通过调查,对影响农户参与农业保险的因素进行预测,在此基础上运用logistic回归模型分析具体的影响因素,结果表明,保险的种类、保费是否合理、对保险的认识和收入四个因素对农户参与农业保险意愿的影响显著,并提出增加农业保险的种类、给予财政补贴、加强农户对农业保险的认识等措施,以促进我国农业保险的进一步发展。

All kinds of agricultural insurance have been implemented in different regions of China recent years.In July 2007,the cow and apple policy Insurance were implemented separately in Jingyang County and Luochuan County of the Shanxi Province.We surveyed 239 farmers who breed cows or planted apple trees with questionnaires.Through the survey,we predict the factors affecting the farmers' willingness to pay for agricultural insurance.On this basis,we analyze the factors through Logistic Regression Model and find that four factors markedly affect the farmers' willingness to pay for agricultural insurance,including categories of agriculture,whether premium is reasonable,understanding of insurance and income.Then,the measures of increasing categories,giving financial subsidy,strengthening farmers' understanding have been suggested to taken for the further development of the agricultural insurance.