政策性农业保险需求的影响因素分析:一个文献综述

Analysis of Factors Affecting Demand For Policy-oriented Agricultural Insurance:A Literature Review

影响政策性农业保险需求的因素是多元和复杂的,指出其中主观性因素是指投保人年龄、文化程度、务农年限等主观方面的影响因素;经营性因素是指投保人的收入状况、经营规模与专业化程度、农作物或养殖产品经营风险大小(产量波动性大小等)等能够影响其购买偏好的因素;客观性因素是指投保人以外进入政策性农业保险运行系统的其他主体在系统中的作为及其影响,这些因素是投保人所面对的制度环境,其核心是决定农业经营者投保收益率的因素。

Factors affecting demand for policy -oriented agricultural insurance are diverse and complex. The paper summarizes these factors from three main aspects. The subjective factors refer to age, education level, farming experience and other factors; The operating factors refer to factors that can affect agricultural insurance buying preferences, such as income of the insured, the scale of operation and degree of specialization of crops and aquaculture products yield risk size, etc ; The objective factors refer to other subjects into the operating system of agricultural in- surance run in addition to the insured, such as the government, policy -oriented agricultural insurance enterprises, etc, these factors are the institutional environment that the insured faced. ,its core are some factors that determine the insured yield for agricultural operators.