摘要
本文以黑龙江省"两大平原"地区6个地市740个农户为样本,从保险经营视角切入,选取相应的影响因素指标,运用二分类Logisitic回归模型对农户的粮食作物保险需求及其影响因素进行了系统分析。计量结果表明,商业保险投保经历、保单条款理解能力、保额满意程度、保险公司防灾防损服务水平对农户政策性粮食作物保险需求呈正向影响,社会救济对农户政策性粮食作物保险需求呈负向影响,并依据相应影响方向提出政策建议。
In this paper, by taking 740 farmers of six cities in ＂two great plains＂ in Heilongjiang Province as the sample, and selecting relevant indicators of influencing factors, we analyzed, from the perspective of insurance opera- tion, the farmers＇ demand for grain insurance and its influencing factors systematically with the logistic model. The result indicated that such factors as the experience of commercial insurance, the ability to understand policy terms, the satisfaction with the insurance amount and service levels and loss prevention of insurance companies exerted a positive influence on the demand of farmers, but the social relief had negative influence on the demand. Eventually we put forward policy suggestions according to the corresponding direction of influence.
出处
《保险研究》
CSSCI
北大核心
2014年第12期70-77,共8页
Insurance Studies
基金
国家自然科学基金项目(编号:71341049)
黑龙江省软科学计划重点项目(编号:GB14D402)
黑龙江省社科基金项目(14B116)
关键词
粮食作物保险
需求
影响因素
grain insurance
demand
influencing factors
