农户购买天气保险意愿的影响因素分析

An Empirical Analysis on the Factors Influencing the Farmers' Purchase of Weather Index Insurance

农业保险制度是农业保障体系中的重要组成部分,天气保险作为其创新形式之一,已被应用于农业风险管理。农户天气保险措施的选择需求因素包括农户区域和自身特征、农户家庭特征、需求诱致因素、自然禀赋特征。本文利用江苏省318份有效问卷的调查数据,采用二元选择模型来分析农户购买天气保险的影响因素。实证结果表明:受教育程度高、家庭人均年收入、听说过天气保险、贷款用于种植业生产、天气灾害损失严重以及人均耕地面积多等因素对天气保险的需求总体起到正向作用。

Climate change is one of the hot issues for the international society, which has seriously impacted on the global food security. Weather index insurance is an important part of agriculture insurance system. As one of the innovated forms of agricultural insurance, it has been applied in the agricultural risk management. The impacting factors of farmers in purchasing weather index insurance include the regional and farmers＇ own characteristics, familycharacteristics, demand-induced factors and natural endowment characteristics.Based on a survey of 318 samples of the rural population in Jiangsu Province, the paper uses the Logit model to analyze the factors impacting the farmers＇ purchase of weather index insurance. Empirical study shows that factors such as high level of education, per capita income, and much knowledge of weatherindex insurance, loans used in agricultural production, losses caused by weather disastersand the area of arable land per capita play apositive role in spurring the demand for weather index insurance.