我国沿海地区农业巨灾风险保障需求研究——来自浙江省308户农民的调查数据

A Study on Demand of Agriculture Catastrophe Risk Guarantee in China's Coastal Areas:Based on Research Data from 308 Peasant in Zhejiang Province

农业巨灾风险保障需求是农业巨灾保险制度研究的重要组成部分。通过分析实地调查得到的数据,在农民转移意愿和支付意愿两方面发现,农民对农业巨灾风险保障需求明显。实证结果表明,农民对农业巨灾风险感知程度、农民文化程度显著影响农业巨灾风险的保障需求。发挥政府在农业巨灾保险制度中的独特优势,通过影响农业巨灾风险保障需求的非经济因素,改善农业巨灾风险供给基础,有助于建立有效的农业巨灾保险制度。

Demand of agriculture catastrophe risk guarantee(DACRG)is an important part of agriculture catastrophe risk guarantee mechanism studying.DACRG shows clearly through our research data in field of willingness to transfer and willingness to pay.This paper demonstrates that individuals’risk perception and education play a key role in DACRG.In addition,the DACRG mechanism can take effect on non-economic factors through government's advantage given in DACRG.