风险认知对农户参保行为的影响分析——基于安徽省阜阳市195份问卷调查

Impact of Risk Awareness on Farmers' Insurance Behavior:Based on Survey of 195 Questionnaires in Fuyang of Anhui Province

现代化农业的实现亟待社会化服务体系的支持,农业保险是其重要的构成部分。基于安徽省阜阳市195个农户的问卷调查,通过因子分析法将风险认知归纳为市场风险认知与自然风险认知。然后,利用似不相关回归分析风险认知对农户参保农险行为和其他避险措施的影响,探究其他避险措施通过风险认知对参保农险的作用效果。结果表明:风险认知能够正向影响农户购买农业保险和其他避险措施的采纳,并且多样化经营会通过风险认知对参保行为产生一定影响。最后,提出注重农户自然风险与市场风险认知的共存性、保障农业保险资源配置的有效性以及重视农业保险与其他避险措施的协调性三点对策建议。

Agricultural insurance is an important part of the social services system,which is a prerequisiteto achieve agricultural modernization. In this paper,two factors were obtained by factor analysis：market riskawareness and natural risk awareness,which help explain agricultural risk.Next the impact of risk awareness onfarmers’ insured behavior and other hedging measures were studied,and then the effect of other risk aversionmeasures on agricultural insurance participation was explored through research methods of SUR. The resultsshow that increased risk awareness will improve the probability of farmers’ buying agricultural insurance andother hedging measures and that the diverse means of management can also influence farmers’ insurance pur-chasing behavior through risk awareness.Finally,three suggestions were proposed：attention be paid to the coex-istence of the natural risk and market risk awareness;the effectiveness of the allocation of agricultural insuranceresources be ensured and emphasis be laid on the coordination of agricultural insurance and other hedgingmeasures.