新型农业经营主体和传统农户保险需求研究——基于会理县石榴保险的调研数据

在我国农业由小农经济向规模化方向发展的过程中,农户群体大致分为了新型农业经营主体和传统农户两种类型。新型农业经营主体逐渐成为推动农业发展的重要力量和政府重点培养保护的群体,研究农业保险需求对保障农业生产具有重要现实意义。本文依托社会调研数据,采用logit有序二值选择模型,对两种类型农户农业保险需求的异质性进行分析。研究发现新型农业经营主体的风险意识并不高,影响新型农业经营主体的因素较传统农户来说更多、影响程度更大,应当加大宣传力度,创新农业保险品种,满足其多元化的保险需求。

In the process of the development of agriculture in our country from small-scale farmers to large-scale agriculture, the group of farmers is roughly divided into new-type agricultural operators and traditional farmers. The main body of new agricultural management has gradually become an important force to promote agricultural development and the government’s focus on fostering and protecting groups. It is of great practical significance to study agricultural insurance demand. Based on social survey data, this paper uses logit ordered binary selection model to analyze the heterogeneity of agricultural insurance needs of two types of farmers. It is found that the risk awareness of the new agricultural business entities is not high. The factors affecting the new agricultural business entities are more and more influential than traditional farmers. It is necessary to increase publicity efforts, innovate agricultural insurance varieties, and meet their diversified demand of insurance.