山东省各地市农业保险竞争力水平研究——基于因子分析和AHP分析的实证研究

Research on Agricultural Insurance Competitiveness of Cities in Shandong:Empirical Study Based on Factor Analysis and AHP Anaysis

2007年以来,山东省农业保险发展迅速。与此同时,农业保险业务在各地市之间存在发展不均衡问题。运用因子分析法对影响山东省各地市农业保险保费收入的诸多因素进行降维处理,确定农业保险资源禀赋与经济发展水平两个主因子;利用AHP得到主因子对应的各二级因子权重,进而确定主因子权重。两种方法结合探求山东省各地市的农业保险竞争力水平,并将各地市的竞争力水平与实际保费收入排名进行对比,得出保费收入理论值与实际值之间的一致性结论。提出实施差异化保费补贴政策,提高经济型农作物保险扶持力度,鼓励保险公司进行产品创新,提高地方政府参与农业保险积极性,对农民进行农业保险知识培训,促进山东省农业保险地区间平衡发展的建议。

Since 2007, the agricultural insurance developed rapidly in Shandong Province, but there is still a problem of uneven development among different cities. This paper first did the dimension reducing processing of many factors affecting the level of AI premium income to determine the two main factors： AI endowment and economic development then used AHP to get the weights of the two secondary factors corre- sponding to the main factors and the main factors＇. By combining the above two methods, this paper investi- gated the competitive power of agricultural insurance in Shandong Province and to rank the competitive power and actual premium income of each individual city. The conclusion showed that there existed consistent relationship between the expected insurance premium income and actual premium income. Thus, this paper put forward the following suggestions： implying differentiated premium subsidies, promoting the support efforts for economic crops, encourage insurance companies＇ product innovation, enhancing local govern- ments＇ involvement in insurance initiative, implying agricultural insurance training for farmers and finally ensured the balanced development of agricultural insurance among cities in Shandong Province