青海省农业保险发展供需研究

发布时间：2018-03-06 15:46

本文选题：农业保险　切入点：实证分析　出处：《青海大学》2017年硕士论文　论文类型：学位论文

【摘要】：中国是一个有着悠久农耕文明的农业大国,农业作为社会经济发展基础性产业,是其他产业发展必要前提。但农业生产过程中必然伴随着自然灾害,加上农业生产具有地域性、分散性以及不稳定性等特点,导致农业是一个高风险弱质产业。这就在客观上要求政府和社会为分散农业风险、转移农业危害做出更多支持。青海省位于三大高原交汇地区,区域内生态环境相对脆弱,农耕地区较为分散,种种自然灾害伴随在青海省农业生产过程中,加之青海省整体经济社会发展水平较弱,使得农户较难抵御自然灾害侵袭。农业保险的出现能够一定程度上弥补农户所遭受到损失,稳定农户农业再生产经济基础。但目前青海省农业保险发展出现了“双冷”局面,因此,本文基于青海省实际情况,尝试从政府、保险公司、农户三者不同视角分析青海省农业保险发展供需状况。本文选取青海省典型农业地区,首先以准公共用品、外部经济和农业弱质性理论为基础,分析政府和商业保险公司作为农业保险供给主体应起到的作用。通过实地访谈和问卷调查相结合方法,掌握影响青海省农业保险发展供需因素,经由问卷数据整理分析,发现了以下问题:一是青海省农业保险供给机构单一,农业保险市场并不活跃;二是青海省保险公司经营管理欠缺规范;三是青海省保费补贴结构不合理;四是青海省农民年收入不高,致使农业保险有效需求偏低;五是青海省农户对农业保险缺乏系统了解,导致投保动力不足。为了进一步准确分析影响青海省保险发展因素,本文在问卷数据初步分析后,通过建立Logistic回归模型,探索影响农业保险需求因素,经过实证分析结果发现:文化程度、家庭收入、对政策性农业保险了解程度、自然灾害造成损失对家庭生活影响以及对农业保险作用评价对农户是否投保农业保险具有显著正相关,而年龄与务农年限对于农户是否购买保险没有显著影响。在此基础上,本文从政府、保险公司、农户三方视角提出加强对保险公司支持力度、优化农业保险产品设计、提高农户文化水平等六个方面建议,为完善青海省农业保险体系,改善青海省农业保险供需“双冷”状况提供新思路。
[Abstract]:China is a large agricultural country with a long agricultural civilization. As a basic industry of social and economic development, agriculture is a necessary prerequisite for the development of other industries. However, the process of agricultural production is bound to be accompanied by natural disasters, plus the regional nature of agricultural production. The characteristics of dispersion and instability have led to the fact that agriculture is a high-risk and weak industry. This objectively requires the government and society to provide more support for dispersing agricultural risks and shifting agricultural hazards. Qinghai Province is located at the junction of the three major highlands. The ecological environment in the region is relatively fragile, the farming areas are scattered, all kinds of natural disasters are accompanied by the agricultural production process in Qinghai Province, and the overall economic and social development level of Qinghai Province is relatively weak. The emergence of agricultural insurance can make up for the losses suffered by farmers to some extent and stabilize the economic basis of agricultural reproduction. However, at present, the development of agricultural insurance in Qinghai Province has a "double cold" situation. Therefore, based on the actual situation of Qinghai Province, this paper tries to analyze the supply and demand situation of agricultural insurance development in Qinghai Province from the perspectives of government, insurance companies and farmers. Based on the theory of external economy and agricultural weakness, this paper analyzes the role that government and commercial insurance companies should play as the main body of agricultural insurance supply. In order to master the supply and demand factors affecting the development of agricultural insurance in Qinghai Province, the following problems are found through the analysis of questionnaire data: first, the supply organization of agricultural insurance in Qinghai Province is single, and the agricultural insurance market is not active; The second is the lack of standard management of insurance companies in Qinghai Province; the third is the unreasonable structure of premium subsidies in Qinghai Province; the fourth is the low annual income of farmers in Qinghai Province, which results in low effective demand for agricultural insurance; Fifth, the lack of systematic understanding of agricultural insurance in Qinghai leads to insufficient motivation. In order to further analyze the factors affecting the development of insurance in Qinghai Province, this paper establishes a Logistic regression model after preliminary analysis of questionnaire data. This paper explores the factors affecting the demand for agricultural insurance, and finds out by empirical analysis that: education level, family income, understanding of policy-oriented agricultural insurance, The impact of losses caused by natural disasters on family life and the evaluation of agricultural insurance have significant positive correlation with whether farmers insure agricultural insurance, while age and age have no significant influence on farmers' purchase of insurance. From the perspective of government, insurance company and peasant household, this paper puts forward six suggestions, such as strengthening support to insurance company, optimizing the design of agricultural insurance products and raising the farmers' education level, in order to improve the agricultural insurance system in Qinghai Province. Improve the supply and demand of agricultural insurance in Qinghai Province, "double cold" situation to provide new ideas.
【学位授予单位】：青海大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.66

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