摘要
根据农业保险需求理论,利用二元Logistic模型对辽宁省农村入户调查数据进行了实证分析与检验。从农户家庭经济条件、家庭务农状况、风险分担措施的采用等全新视角对政策性农业保险有效需求的影响因素及其作用机理进行了实证研究,同时考虑了农户的个人特质及对农业保险的认知等因素对农业保险有效需求的影响。研究结果表明:是否购买医疗保险、是否购买养老保险、年收入等因素对农业保险有效需求有负向影响,而是否享受政府救济、家庭资产、保险认知、受教育程度等因素对农业保险有效需求有正向影响。
Based on the theory of agricultural insurance demand, this study applies the binary logistic model to conduct an empirical analysis and test of the rural household survey data in Liaoning Province. From such new perspectives as household economic conditions, farming conditions and risk- sharing measures, the influential factors and mechanisms of effective demand for policy-oriented agricultural insurance are studied empirically. Meanwhile, such factors as farmers＇ individual characteristics and their understanding of agricultural insurance are taken into account. The results show that health insurance, endowment insurance and revenue exert a negative impact on policy- oriented agricultural insurance, whereas government assistance, household assets, insurance cognition, level of education and other factors exert a positive impact on policy-oriented agricultural insurance.
出处
《东北大学学报（社会科学版）》
CSSCI
北大核心
2013年第5期471-477,共7页
Journal of Northeastern University(Social Science)
基金
辽宁省软科学计划资助项目(2011232005)
教育部人文社会科学研究规划基金资助项目(06JA790047)
关键词
政策性农业保险
满意度
有效需求
policy-oriented agricultural insurance~ satisfaction~ effective demand
