农户购买农业保险意愿的影响因素分析——基于巴彦县万发镇336个农户调查

Influence Factor Analysis of Farmers on Willingness of Buying Agricultural Insurance:Based on Questionnaires of 336 Farmers in Wanfa Town, Bayan County

农户购买农业保险能够转移和分散农业生产中的各种自然风险和社会经济风险,对稳定农户生产收入,促进农业生产具有重要意义。我国的农业保险一直处于需求不足状态,多数农户都没有自愿主动参与农业保险的意愿。应用Logit模型,利用实地访谈和问卷调查的方法,以黑龙江省巴彦县万发镇336个农户为样本,从农户年龄、农户受教育水平、家庭农业劳动力人数、农户农业收入占家庭年收入比重、农业保险的宣传力度、农户对农业保险的了解程度、农业保险的服务质量、政府承担保费水平8个方面,对影响农户购买农业保险的意愿因素进行了实证分析,并根据实证结果,分别从政府和保险公司的角度提出相应的对策建议。

Buying agricultural insurance could transfer and lessen natural risks and social risks in agri- cultural production. It has an important meaning in stabilizing farmers＇ income and promoting agricultural production. Yet, demanding for agricultural insurance in China has always been neglected. Most farmers are not willing to buy that. Through Logit model, we had done a fact analysis on farmers＇ willingness to buy agri- cultural insurance. Based on field research and questionnaires done by 336 farmers in Wanfa County, Bayan Town in Heilongjiang Province, this paper thoroughly analyzed the following eight factors： their different ag- es, their different education levels, agricultural workers within a family, agricultural income accounted in the whole household income, agricultural insurance propaganda, how much farmers learn about agricultural in- surance, service quality of agricultural insurance, and how much could government support. Then, we could also learn about willingness farmers had for buying agricultural insurance, and give our suggestions on how to encourage farmers to buy agricultural insurance from the perspectives of government and insurance corn- pany.