农户参加商业保险意愿研究——以黑龙江省大兴农场为例

Research on the Farmers' Willingness to Pay the Commercial Insurance——A Case Study of Daxing Farm in Heilongjiang Province China

以大兴农场为例,通过实地调查法、数据分析法将实践与理论相结合,探讨大兴农场商业保险的实施现状和问题,从供给和需求两个方面分析影响农场农民参加商业保险意愿的因素,有针对性的提出了发展商业保险要拓宽获得经济来源渠道,设计具有针对性的保险产品,政府加强监管提高保险公司赔付力度的对策建议。

This paper take Daxing farm as an example, through field survey, data analysis to the combination of theory and practice, discuss on status quo and problems of business insurance implementation of Daxing farm, analysis on the factors from both the supply and demand of affecting farm willingness of farmers to participate in commercial insurance. Finally put forward suggestions for the development of targeted commercial insurance, such as to expand the channels of economic sources, to design some targeted insurance products and strengthen government supervision to improve the insurance comnanv paid efforts.