政策性农业保险供给评价及影响因素——基于江苏省2300户稻麦经营主体的问卷调查

Agriculture Insurance Supply Effect Assessment and Its Influencing Factors:Based on the samples of 2300 farmers in Jiangsu province

经营主体的多元化对农业保险产生多样化的需求,在农业供给侧结构性改革的背景下,农业保险产品与服务的创新显得尤为重要和急迫。本文基于江苏省2300户稻麦经营主体的问卷调查,从保险需求者角度对江苏省稻麦保险产品和服务的供给效果进行评价,并对评价差异的影响因素进行分析。研究结果表明:(1)异质性主体农业风险程度具有显著差异;(2)现行农业保险制度满足经营主体基本需求;(3)单一保险产品难以满足多元化主体需求;(4)异质性特征对农业保险产品效果的影响具有差别。

Abstract： Diversification of agricultural business entities cause the diverse needs of agriculture insurance, in the context of the supply- side structural reforms, products and services innovation of agriculture insurance is particularly important and urgent. This article is based on the 2300 survey of rice and wheat business entities in Jiangsu Province, assess the effect of insurance product and service from the perspective of demand, and analysis its influencing factors. The results showed that ： （ 1 ） Agricul- tural risks degree of heterogeneous entities significantly different; （2） The current agricultural insurance system can meet the basic needs; （3） Single insurance products hardly meet the diverse needs; （4） Heterogeneity cause the different effects of agricultural insurance. Key words： Agriculture Insurance; Supplyside Reform; Supply Effect; Influencing Factors