福建农业保险持续稳健发展的路径探析——基于主体供求行为的分析

A Research into the Way of Sustainable and Steady Development of Rural Insurance in Fujian——Based on the Analysis of Behavior of Supply and Demand in Subject

运用SPSS13.0统计软件对福建省350份农业保险问卷调查数据进行Logistic回归处理,结果显示年收入水平、农业收入的比重等变量对农户农业保险的购买决策具有显著影响。对福建农业保险供给情况进行的分析表明,福建农业保险在取得巨大成效的同时,仍然存在一些亟待改进的问题。所以,应该从主体风险利益协调角度探讨促进福建农业保险持续稳健发展的有效路径,如完善农业保险法律制度体系、建立科学的农险费率形成机制等。

Applying SPSS13.0 to make Logistic regression into the survey data of 350 questionnaires of agricultural insurance in Fujian,the research exposes that some variables including the level of annual income,the proportion of agricultural income and so on have significant effect on farmers＇ buying decision in rural insurance.Through the analyses of the supply and demand on rural insurance in Fujian,it can find that there are still some problems to be resolved,although great achievements has been made on rural insurance in Fujian.So,the paper discusses from the perspective of coordination between benefit and risk of the subject,and then put forwards effective ways to help the rural insurance of Fujian to develop sustainably and steadily,such as perfecting the law system of rural insurance and establishing scientific mechanism in rate formation on rural insurance.