摘要
本文利用两个县597户农户样本数据,采用Logistic模型分析了影响农户购买小额保险意愿的主要因素。研究结果表明,农户购买小额意外伤害保险和小额健康保险的意愿总体上非常强烈,购买小额财产保险的意愿不够强烈,农户的受教育程度、收入水平和储蓄状况对于所有小额保险的购买意愿具有显著的影响,而年龄、就业状态、风险和保险知识认知因素等只对部分小额保险,甚至是部分农户群体才具有显著的影响。
The main factors impacting rural households＇ desires to buy micro-insurance are retrieved from 597 rural households＇ sample data from two counties in Guangdong province, being analyzed by the Logistic model. The research showed that rural households＇ desire to buy micro-accidental insurance and microhealth insurance was very strong, while the desire to buy micro-property insurance were quite weak. And their purchase decision was significantly affected by their education and levels of income and savings, while factors such as age, employment status and knowledge about risks and insurance only had very minor impacts on purchase behaviors of some type of microinsurance or on some people only.
出处
《保险研究》
CSSCI
北大核心
2009年第5期51-56,共6页
Insurance Studies
