政策性农业保险试点地区农户参保行为的影响因素研究——以陕西省洛川县苹果保险为例

Factors that Affect Farmers' Behaviors on Participating Insurance in the Pilot Area of Policy-Oriented Agricultural Insurance——A case of insurance on apple in Luochuan County,Shaanxi Province

以陕西省洛川县为研究对象,依据问卷调查数据,选取家庭特征、农业生产风险、农户的风险态度和参保交易成本等指标,运用Logistic回归模型,对农户参保行为的影响因素进行分析与评价。结果表明,政府较保险公司对农户的参保行为影响更大;农业保险的保费并不构成农民参保的障碍;政府与保险公司的关系处理不当在很大程度上会影响当地农业保险的发展。为了促进农户参保,提出了相应的对策:一是增加农村教育投资,提高农民文化程度;二是政府利用其行政职能加大农业保险知识宣传力度;三是合理规划政府与保险公司之间的权利与义务;四是积极鼓励引导农户进行苹果的规模化生产,促进并形成规模经济。

Taking Luoehuan County of Shaanxi Province as an example ,the factors that affect farmers＇ behaviors on participating insurance is analyzed and evaluated according to the questionnaires and by selecting the indexes covering household features, agricultural production risks, the attitudes of rural households towards risks and the transaction cost of participating insurance and by using Logistic regression model. The results show that comparing with insurance company, the government has larger influence on farmers＇ behaviors on participating insurance; the premium of agricultural insurance does not obstruct farmers＇ participation in insurance ; the bad - handled relations between the government and insurance company have bad effects on the development of local agricultural insurance. In order to promote farmers to participate in agricultural insurance, the relevant countermeasures are put forward：firstly, increasing the investment on rural education and improving cultural level of farmers; second- ly, intensifying the promotion on agricnhural insurance; thirdly, reasonably planning the duties and rights of the government and the insurance company; fourthly, vigorously encouraging the farmers to conduct scale production of apple and form the scale economy.