花生种植保险需求意愿影响因素分析——基于山东省1277户农户的调查

Analysis of Factors Affecting Farmer's Willingness of Demand of Peanut Farming Insurance: Based on Survey of 1277 Farmers in Shandong Province

以山东1 277户从事花生种植业的农户为样本,结合花生种植业特点,针对花生种植保险需求意愿影响因素进行问卷调查。对调查结果进行初步统计分析后,采用Logistics模型进行实证分析。分析结果显示,家庭人口总数、是否有大学生、年均自然灾害损失、是否听说过农业保险、是否购买过商业保险对花生种植保险需求意愿有正向影响;务农年限、劳动力占比、年均收入、家庭面临其他风险对花生种植保险需求意愿产生负向影响;年龄、受教育程度、农业收入占比、人均耕地面积对花生种植业保险没有显著影响。

This paper analyzed factors affecting farmer＇s willingness of demand of peanut planting insurance through the use of a questionnaire survey combining with peanut planting＇s characteristics conducted among 1277 farmers in Shandong Province. After the preliminary statistical analysis of the survey data, this paper used Logistics model for empirical analysis. The result indicated that the population of family, whether the family had undergraduate, the lost from natural calamity, whether the famer had head of crop insurance and whether the famer had bought commercial insurance made a positive influence; the duration engaged on farming, the proportion of labor force, the average income, and the family＇s other risks made a negative influence; age, educational level, the proportion of agricultural income and the area of farmland per capita did not obviously influence the willingness of demand.