农户购买棉花价格保险的意愿研究——基于新疆生产建设兵团531个农户的调查

Study on farmers'willingness to purchase cotton price insurance:investigation of 531 farmers in Xingjiang Production and Construction Corps

以新疆生产建设兵团第八师6个团场531个农户的调查数据为基础,运用Probit模型对农户购买棉花价格保险的意愿及影响因素进行分析。结果表明:户主的受教育程度和风险规避类型、家庭人均年纯收入、家庭从事棉花种植人口数量、植棉收入占总收入比重、曾经对保险公司的印象及对棉花价格保险的了解等因素对农户购买棉花价格保险的意愿具有促进作用;外出务工经历对农户购买棉花价格保险具有抑制作用。从边际效应角度看,对农户购买棉花价格保险意愿影响最大的因素是家庭的人均年纯收入。稳健性检验进一步验证了这一结论,并针对研究结论提出了相应的对策建议。

Based on the survey data of 531 peasant households in the 6th regiment of the 8th Division of Xinjiang Production and Construction Corps,this paper uses the Probit model to analyze the willingness of peasant households to purchase cotton price insurance and its influencing factors.The results showed that the educational level,risk aversion type of household owners,the per capita annual net income of a family,the number of cotton-growing population,the proportion of cotton-growing income in total family income,the impression of insurance companies,the understanding of cotton price insurance,and the recognition of the importance of cotton price insurance played an important role in promoting farmers'willingness to purchase cotton price insurance.From the perspective of marginal effect,the most important factor affecting farmers'willingness to buy cotton price insurance is their per capita annual net income.The robustness test further validates this conclusion and it also puts forward corresponding countermeasures and suggestions.