内蒙古现行奶牛保险政策下农户参保行为研究

发布时间：2018-03-19 06:01

本文选题：奶牛保险　切入点：补贴政策　出处：《内蒙古农业大学》2013年硕士论文　论文类型：学位论文

【摘要】：农业保险是分散农业风险的一种有效机制，与农村金融、农业科技并称为现代农业发展的三大支柱。自2007年内蒙古被财政部确定为全国6个农业保险保费补贴试点省区之一以来，内蒙古农业保险尤其是种植业保险取得了快速发展；然而，作为全国的畜牧大区，内蒙古的养殖业保险特别是奶牛保险发展却十分缓慢，甚至呈现出萎缩趋势。因此，基于内蒙古现行的奶牛保险政策，研究影响奶牛养殖户购买奶牛保险的因素，可为进一步完善内蒙古奶牛保险保费补贴政策以及促进奶牛保险持续发展提供可行对策。本文通过梳理2008年—2012年内蒙古奶牛保险的政策变化，基于对内蒙古3个盟市、12个乡镇的奶牛养殖户的问卷调查，对养殖户的参保情况进行了描述性统计；结果表明：目前，自治区奶牛养殖户对奶牛保险的了解程度普遍不高，并且认为奶牛保险责任范围比较单一等。同时，，运用Probit模型对影响奶牛养殖户参加奶牛保险的因素进行了识别，结果表明：养殖户性别、年龄、奶牛每天的产奶量、奶牛有无死亡和养殖户对奶牛保险的了解程度是影响其参加奶牛保险的显著因素。最后，本文提出加大奶牛保险宣传力度、完善奶牛保险条款、设计多样奶牛保险产品和提高奶牛保险服务水平等有利于内蒙古奶牛保险健康发展的建议。
[Abstract]:Agricultural insurance is an effective mechanism for dispersing agricultural risks, and rural finance, Agricultural science and technology is regarded as the three pillars of modern agricultural development. Since 2007, Inner Mongolia has been designated as one of the six pilot provinces of agricultural insurance premium subsidy by the Ministry of Finance, and the agricultural insurance, especially the insurance of planting industry, has achieved rapid development in Inner Mongolia. However, as a large area of livestock husbandry in China, the development of livestock insurance in Inner Mongolia, especially dairy cattle insurance, is very slow, and even shows a shrinking trend. Therefore, based on the current dairy cow insurance policy in Inner Mongolia, The study on the factors influencing dairy cow insurance can provide feasible countermeasures for the further improvement of insurance premium subsidy policy and the promotion of sustainable development of dairy cow insurance in Inner Mongolia. Through combing the policy changes of dairy cow insurance in Inner Mongolia from 2008 to 2012, based on the questionnaire survey of dairy cattle farmers in 12 towns and cities in Inner Mongolia, the paper makes descriptive statistics on the participation of dairy cattle farmers in Inner Mongolia, the results show that: at present, Dairy cattle farmers in the autonomous region generally do not have a good understanding of dairy cow insurance, and consider that the responsibility range of dairy cow insurance is relatively simple. Meanwhile, the factors influencing dairy cow insurance are identified by using Probit model. The results showed that sex, age, milk yield, death of dairy cows and the degree of understanding of dairy cow insurance were the significant factors that affected the farmers' participation in dairy cow insurance. Finally, the paper proposed to increase the propaganda of dairy cow insurance. It is beneficial to the healthy development of dairy cow insurance in Inner Mongolia to perfect the clauses of dairy cow insurance, to design various dairy cow insurance products and to improve the level of dairy cow insurance service.
【学位授予单位】：内蒙古农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.66

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