农业保险消费意愿影响因素实证分析——基于张家口地区的实地调研

Empirical Analysis on Farmer's Willing on Agricultural Insurance —Based on a Survey of Zhangjiakou Region

文章以自然灾害频繁和严重的张家口地区为代表,通过农户实地调查,应用定性描述和二元选择模型(Logistic模型)定量估计相结合的方法,对农户保险消费意愿影响因素进行实证分析。研究认为,影响农户保险消费意愿的主要因素有收入、耕地面积、灾害对农业生产的影响以及农业保险的了解程度等。

This paper takes Zhangjiakou region as example, through the survey of farmers, by using the method of qualitative description and binary choice model （logistic model） quantitative estimate, makes an empirical analysis of farmers＇ willing on agricultural insurance. The result shows that the factors impact farmers＇ willing on agricultural insurance include income, area of the cultivated land, the impact of disasters on agricultural production and the understanding about agricultural insurance.