风险认知对农业保险需求的影响--基于四省藏区调查数据的实证分析

Impact of Risk Perception on Agricultural Insurance Demand:An Empirical Analysis Based on Survey Data of Tibetan Areas in Four Provinces

基于四省藏区(四川、云南、甘肃、青海)454户农户家庭的调查数据,阐释了风险认知影响农户农业保险需求的机理,然后采用二元Probit回归、工具变量法、中介效应检验实证分析了风险认知对农业保险需求的影响。研究表明:(1)风险认知因素在1%显著水平下对农业保险需求产生正向影响;(2)风险认知的正向影响在较好汉语水平和纯农户样本中表现的更明显;(3)农业保险认知与保险公司服务质量是风险认知影响农业保险需求的2个重要渠道;(4)年人均收入、政府补贴支出、村通网络对农业保险需求产生正向影响。鉴于此,就促进农户农业保险需求提出了相关政策建议。

Based on the survey data of 454 households in Tibetan areas of four provinces,the mechanism of the impact of risk cognition on farmers’demand for agricultural insurance was explained in this paper,and then the impact of risk cognition on farmers’demand for agricultural insurance empirically was analyzed by binary Probit regression,instrumental variable method and intermediary effect test.The results show that:(1)Risk perception factors have a positive impact on agricultural insurance demand at 1%significant level.(2)The positive effect of risk cognition is more obvious in the samples of better Chinese level and pure farmers.(3)Agricultural insurance cognition and service quality of insurance companies are two important channels for risk perception to affect agricultural insurance demand.(4)Annual per capita income,government subsidy and the network of village communication have a positive impact on the demand of agricultural insurance.Therefore,some suggestions of promoting farmers’demand for agricultural insurances were put forward.