摘要
辽宁省位于中国的东北地区,主要生产粮食和饲料.对辽宁省农户的保险意愿调查问卷进行了统计分析.结果表明:性别、受教育程度、收入、灾害损失和对保险的了解程度对农户在农业保险意愿上有影响.女性相对于男性,更不愿意参加农业保险;教育程度高和贫穷的农户不愿意参保.以往受灾损失大的农户也不愿意参保,这样,如果政府不能合理的设定保险品种和保险价格可能会出现逆向选择问题.
Liaoning is at the Northeast plains,which has been the major food and feed grain production area in China.A farmers＇ survey with questions on agricultural production risks and insurances was conducted in Liaoning Province.The result shows that females are more reluctant to participate in agricultural insurance.Elducational level contributes to insurance interests negative.There is also an income effect that the poorer farmers are less interested in buying insurance.Farmers memory of the extent of the past disaster loss also influences the willingness to participate in insurance negative.This indicates those with larger loss which means higher risks tend to buy,which may eventually cause adverse selection problem if the coverage and premium are not carefully designed.
出处
《数学的实践与认识》
CSCD
北大核心
2011年第4期58-63,共6页
Mathematics in Practice and Theory
基金
教育部人文社科研究项目(06JA790047)
北京大学中国经济研究中心
中国女经济学者研究培训项目
辽宁省科技计划项目(20060431-311)
