住房资产保险的农户意愿及其内在动因:广西例证

The Willingness of Housing Assets Insurance and Its Inner Influencing Factors: Example from Guangxi

基于广西壮族自治区6市1208份农村实地调查数据,运用二元logistic模型,对影响农户自主性资产保险意愿的计量经济模型进行检验。实证分析表明:"年龄"、"农业收入占总收入的比例"、"在村中生活水平"、"住房面积"、"遭受自然灾害的频率"、"居住周边的环境"、"是否自主买过其他类型的保险"、"是否听说过灾害保险"、"保险政策是否有帮助"等因素对农户是否自愿购买住房资产保险的决策有显著影响。

Based on the survey of 1208 households in six cities in Guangxi province,the authors use binary logistic model to test the econometric model of farmers＇ willingness to buy housing assets insurance . Empirical analysis shows that： ＂age＂, ＂the proportion of agricultural income to total income,＂ ＂the standard of living in the village＂, ＂ housing area ＂, ＂ frequency of the victims of natural disasters ＂, ＂ living environment＂, ＂have you ever buy any other types of insurance＂, ＂ have you ever heard of the disaster insurance ＂, ＂ if insurance policy is useful＂ and other factors play a significantly role in farmers willing to buy a housing assets insurance.