新型农业经营主体农业保险需求影响因素——基于安徽省调研数据的实证分析

Influencing Factors of Agricultural Insurance Demand of New Agricultural Operators:Based on Empirical Analysis of Survey Data of Anhui Province

从经营者个体特征、农业生产特征、农业保险认知和农业保险服务水平4个方面归纳了14个影响因素,并通过构建模型进行了深入分析,结果表明:主要因素对新型农业经营主体农业保险需求均呈现正向影响,其中经营者对农业保险的理解程度和农业生产风险的影响最显著,经营者受教育水平、银行贷款余额以及农业保险理赔经历的影响也比较明显,农业保险保障水平的影响力相对较弱。探索新型农业经营主体农业保险需求具体影响因素对推动我国农业转型升级和农业生产效率提升意义明显。

The 14 influencing factors were summarized from four aspects including the characteristics of self-employed individuals,the characteristics of agricultural production,the cognition of agricultural insurance and the service level of agricultural insurance.The model was constructed for in-depth analysis.The results show that the main factors have a positive impact on the agricultural insurance demand of the new agricultural operators.Among them,the understanding degree of agricultural insurance and agricultural production risk are the most significant,the education level of operators,bank loan balance and agricultural insurance claim settlement experience are also more obvious,and the influence of agricultural insurance security level is relatively weak.Exploring the specific influencing factors of agricultural insurance demand of new agricultural operators is of great significance to promote the transformation and upgrading of agriculture and the improvement of agricultural production efficiency.