西南地区农户种植保险购买意愿的研究

Insurance Purchase Intention of Farmers in Southwest China

[目的]研究西南地区陆良县农户种植保险购买意愿的真实情况。[方法]应用国内外相关理论,通过入户访谈、问卷调查的形式了解影响农户购买种植业保险意愿的因素。[结果]研究发现农户的受教育程度、种植业收入占家庭年收入的比重、投保作物收入占家庭种植业收入比率、受灾面积占种植面积比例以及农户对种植业保险的了解程度与农户种植业保险购买意愿成显著相关。[结论]农户种植保险购买意愿与文化程度、投入、面积均有一定正相关关系。

[Objective] To study the actual situation of insurance purchase intention of farmers in Luliang County in southwest China.[Method] Applying relevant theories at home and abroad,household interviews and questionnaire survey were used to find the factors affecting the willing-ness of farmers to purchase crop insurance.[Result]The farmer＇s level of education,proportion of farming income in household income,proportion of planting cover crops in family income,proportion of affected area in planting area,and the farmers’ understanding degree of crop insurance showed significant correlation with the insurance purchase intention of farmers.[ Conclusion] Insurance purchase intention of farmers has certain positive correlation with their education degree,input and area.