粮食主产区农户参与作物保险决策分析——基于黑龙江和辽宁两省的问卷调查

Farmers' Decision-making of Participation in Crop Insurance:Based on a Questionnaire Survey in Heilongjiang and Liaoning Provinces

以黑龙江和辽宁两省的实地调查数据为例,深入分析了当前农户对作物保险的认知、参保行为和意愿,以及造成农户有效需求不足的主要原因。研究发现,农户对作物保险的认知度较高,参保行为和参保意愿随着收入的增加而上升,收入是导致农户参保有效需求不足的重要原因。最后,提出了加强对作物保险的宣传推广、增加保费补贴、完善作物保险政策法规、规范保险市场行为等政策建议。

Based on a questionnaire survey in Heilongjiang and Liaoning Provinces, this paper analyzed farmers＇ cognition of crop insurance and their participation behavior and willingness, studied the main reasons for farmers insufficiency of effective demand for crop insurance. The results showed that, farmers＇ awareness of crop insurance was high, and their participating behaviors and willingness had a positive relationship with the income, and the income of the farmers is an important factor for the insufficiency of effective demand for crop insurance. According to the analysis, the paper proposed some policy suggestions, such as strengthening the promotion of crop insurance, increasing premium subsidies, perfecting policies and regulations, and standardizing the regulation of crop insurance market.