福建省农户农业保险市场需求强度研究——基于龙岩市、漳州龙海市795个样本的调研

Famers market demand for agricultural insurance in Fujian province——Based on 795 sample investigation of Longyan,Zhangzhou Longhai city

基于对福建省龙岩和漳州两地区795个样本农户的入户访谈,通过问卷调查法和统计分析法,调查发现福建省广阔的耕地面积、专业化作物种植和特殊地理区位引致的气象灾害为农业保险市场开拓奠定了现实基础。统计发现农户普遍认为自然灾害发生频繁和灾后损失严重,生产实践中除了农户自身积累的风险防御措施之外,农业保险逐渐成为农户规避风险的重要手段之一,绝大多数农户对农业保险产品需求强烈,并表现出多元化和新型化需求趋势,同时研究得出农业保险市场缺失是导致农户未购买农业保险的重要原因。据以上研究结论提出了扩大农业保险覆盖面、开发多样化农业保险产品以及建立规范的农业保险制度等政策建议。

Based on the investigation about 795 farmer samples of Longyan and Zhangzhou Longhai city in Fujian province,we used the questionnaire survey and statistical analysis methods. The survey found wide cultivated land area; professional crops and serious meteorological disasters caused by special geographical location provide the basic conditions for agricultural insurance development. Statistics found that farmers general believed that natural disaster occurs frequently and post-disaster loss serious, in the produce procession, besides their own accumulated risk defensive measures, agricultural insurance gradually become one of the important tools to avoid risk. The majority farmers have strong demand for agricultural insurance, and show diversity and novel type. And also study out the lack of agricultural insurance is an important reason for farmers did not buy agricultural insurance. According to the research conclusion put folvcard some policy suggestions, such as expand agricultural insurance coverage, develop variety agricultural insurance products and establish a standard agricultural insurance system etc.