农业保险发展影响因素的实证研究——以湖南省为例

An Empirical Study on Factors Affecting the Development of Agricultural Insurance:A Case of Hunan Province

农业保险能有效分散农业生产风险,促进农业生产的可持续发展。立足湖南,从分析农业保险的发展现状入手,通过指标筛选,建立回归模型,综合分析和实证研究影响农业保险发展的各项因素,研究结果表明:上年度农业保险赔偿率、上年度农作物成灾面积占受灾面积比重、上年度农民家庭经营纯收入和政府补贴等指标与农业保险需求密切相关。基于此,我们对促进农业保险发展提出如下政策建议:加快推进农业现代化进程,努力提高农业产出及农民收入;继续加大对农业保险的支持;加大农业保险的政策性宣传,提升服务质量;积极改善农业保险服务。

The agricultural insurance can effectively disperse the risk of agricultural production and promote its sustainable development.Based on the present conditions and taking Hunan province as an example,this paper established regression models and made a comprehensive analysis of the various factors that affected the development of agricultural insurance.Results showed that several index were closely related to agricultural insurance needs,including the agricultural insurance compensation rate and the proportion of crop damaged area devoted to disaster area of the previous year,farmers’ family business net income and the government subsidies.Based on the above,this paper puts forward policy suggestions on how to promote the development of agricultural insurance,including accelerating the process of agricultural modernization,increasing the agricultural production and farmers’ income,intensifying the support for the agricultural insurance,increasing the policy propaganda of agricultural insurance and improving the agricultural insurance services.