农民参与农业保险意愿影响因素的理论与实证分析——基于重庆市的样本调查

Theoretical and Empirical Analysis of Influencing Factors for Farmers's Willingness to Participate in Agricultural Insurance——Based on a Sample Survey in Chongqing

在对影响农民参与农业保险意愿因素理论分析的基础上,针对重庆市503户农户的调查资料,建立Logistic回归模型进行实证研究,研究发现:农民的性别、年龄、受教育程度、家庭纯收入水平、自然灾害发生风险预期、农产品价格预期、保险缴费水平和保险赔付效率等因素对农业保险参与意愿影响显著,其中,自然灾害发生风险预期、农产品价格预期是影响农民参与农业保险的最重要的两个因素,而非农收入水平和政府补贴对其参与意愿影响不显著。

In this paper,based on the theoretical analysis of influencing factors for farmers＇ willingness to participate in agricultural insurance,logistic regression model is established for the survey data of 503 households in Chongqing,and the study shows that the factors on the farmers such as sex,age,educational level,level of household net income,risk expectation for natural disasters,expectation for agriculture product prices,insurance payment levels and efficiency of insurance payment affect the willingness to participate in the agricultural insurance significantly,in which risk expectation for natural disasters and expectation for agriculture product prices are the most important ones,while the non-agriculture income level and government subsidies have no significant influence on the farmers＇ willingness.