摘要
论文通过对河北、吉林、陕西三省的农户购买农业保险的需求进行调研,在消费效用视角的基础上运用Logistic回归模型对农户购买农业保险的影响因素进行了实证分析,结果显示:户主年龄、家庭农业收入占比、对农业风险的认知程度、是否在购买农业保险中存在"跟风效应"、家庭年收入、家庭供养比、每亩农地的收益对农户是否购买农业保险产生了显著性影响。最后,论文从扩大农业保险推广、深入挖掘保险市场,增加农户收入水平、提高农村社会保障,加大财政支持力度、降低农业生产成本,优化农业保险品种、厘定合理保险费率四个方面提出了对策建议。
This paper investigates the demand of agricuhural insurance for farmers in Hebei, Jilin and Shaanxi provinces, and uses the Logistic regression model to analyze the influencing factors of farmers＇ purchase of agricultural insurance on the basis of consumption utility perspective. The results show that the age of household, the proportion of agricultural income, the awareness degree of agricultural risk, whether there is a ＂follow-up effect＂ in the purchase of agricultural insurance, the annual income of the family, the ratio of household support, and the yield per acre of agricultural land have a significant effect on whether or not farmers have purchased agricultural insurance. Finally, this paper puts forward policy suggestions from several aspects： expanding the agricultural insurance promotion, digging into the insurance market, increasing the income of the farmers, raising the rural social security, increasing the financial support, reducing the agricultural production cost, optimizing the agricultural insurance varieties, and establishing the reasonable insurance rate.
出处
《财务与金融》
2017年第3期81-87,95,共8页
Accounting and Finance
基金
湖南省社科基金年度项目"普惠金融有效降低湖南省农户融资门槛研究"(15YBA194)
湖南省教育厅项目"农村普惠金融减贫的作用机理与影响因素研究"(16C0793)
湖南省哲学社会科学成果评审委员会立项项目"湖南省农村普惠金融的减贫效应研究"(GLX172)
湖南农业大学大学生科技创新基金(2016SK10)资助
