影响贵州省农业保险发展的多因素实证分析

Empirical Analysis of Multifarious Impact on Agricultural Insurance Development in Guizhou Province

本文通过对贵州省农业特点及农业保险发展现状进行分析,建立多元线性回归模型,运用回归分析与因子分析对其进行实证分析,找出1994年至2012年间影响农业保险发展的因素。分析表明,农业人口、农业GDP、农民人均纯收入、农业保险赔付率、自然灾害农作物受灾面积、农业保险的供给量、政策支持是影响贵州省农业保险发展的主要因素,并就此提出了提升贵州省农业保险发展效率的几点建议。

We analyze the characteristics of agriculture and current situation of the development of agricultural insurance in Guizhou province, and establish a multiple linear regression model, using the regression analysis and factor analysis, to find out the various factors affecting the development of agricultural insurance between 1994 and 2012. Analysis shows that the agricultural population, agricultural GDP, per capita net income of farmers, agricultural insurance loss ratio, crops affected area by natural disasters, the supply of agricultural insurance and policy support are the main factors influencing agricultural insurance development in Guizhou.Then we put forward some suggestions to promote efficiency of agricultural insurance development in Guizhou.