农业巨灾保险的需求意愿及其影响因素

The Demand for Agricultural Catastrophe Insurance and Affecting Factors

本文基于六省市的调查数据,对农民的农业巨灾保险需求意愿进行了特征性描述。并采用Logistic回归模型分别对有无政府补贴情况下,农民对农业巨灾保险的需求意愿及其影响因素进行分析,同时还对农民购买农业巨灾保险意愿的稳定性及其影响因素进行检验。结果表明,政府补贴能有效释放农业巨灾保险的潜在需求。是否参加过农业专业或合作组织、农民文化程度、家庭总收入、农业巨灾风险发生频率以及家庭拥有土地规模等因素显著影响农民对农业巨灾保险需求意愿的稳定性,并能促成农民购买农业巨灾保险行为的发生。

Based on research statistics of 6 provinces and municipalities, the paper offered a characteristic descrip- tion of farmer＇s demands for agricultural catastrophe insurance and factors affecting their demands. It also tested the stability of farmer＇s willingness to purchase agricultural catastrophe insurance and the effects of different factors. The result indicated that government subsidy could effectively release farmer＇s potential demands for agricultural catas- trophe insurance, and factors such as their participation into agricultural organizations or cooperatives, educational level, gross household income, frequency of agricultural catastrophes, and size of land holdings significantly affected farmer＇s stability of demands, and could prompt farmer＇s behavior of purchasing agricultural catastrophe insurance