河北省农户农业保险投保意愿影响因素研究

发布时间：2018-03-22 10:11

本文选题：农业保险　切入点：农户投保意愿　出处：《河北经贸大学》2014年硕士论文　论文类型：学位论文

【摘要】：河北省是一个传统的农业大省，同时又是一个农业灾害频发的省份。农业生产经常遭受干旱、风雹灾、霜灾、低温冻害和农作物病虫害等灾害的侵扰，严重影响农业生产和农民生活。自2007年河北省开始政策性农业保险试点以来，农业保险在河北省蓬勃发展，已成为产险市场中仅次于车险的第二大险种。农业保险在分散农业生产风险、补偿灾害损失、稳定农民收入和促进农业发展方面发挥着越来越重要的作用。农户的投保意愿决定了政策性农业保险的发展水平，是影响政策性农业保险试点是否成功的关键因素。河北省农业保险虽然取得了前所未有的成绩，但是仍然存在着如开办险种较少，承保责任范围较小，保障水平偏低，定损难、理赔慢，道德风险等诸多问题，严重影响了农户的投保积极性。为了深入研究制约农业保险需求意愿的因素，本文除了对已有资料进行了归纳和总结外，还对河北省农户的农业保险投保意愿进行了实地走访和问卷调查。调研内容主要有八个方面：性别、年龄和家庭常住人口，文化程度，收入来源与收入水平，农户最担心的灾害，农业保险认识，投保经历，险种期望和索赔经历。在调查数据的基础上，采用Logistic回归分析方法，提取影响农户投保意愿的主要因素。实证研究的结果显示，年龄、收入来源、文化程度和是否获得过农业保险赔款这四个因素对农户是否投保农业保险的影响显著。论文最后根据实证结果提出提高农户投保意愿的政策建议。第一，在保险责任方面，在财政可承受的范围内，逐步把旱灾和农作物病虫害等农户最担心的灾害纳入可保风险，提高政策性农业保险的吸引力，扩大农业保险的覆盖率。第二，在健全农业保险系统机制方面，探索农村金融与农业保险的协调配合机制，如银保联动、农业直补与农业保险合作等，，降低信息传递的成本，提高工作效率。第三，在补贴方法上，应进一步提高补贴水平，并探索差别补贴，提高财政补贴的利用效率，以期能够花最少的钱，办尽可能多的事。第四，在农业保险宣传方面，应充分利用多种信息传播载体，如电视、网络、广播、报纸、手机、宣传刊物等，加强农险产品的推广和教育，培育农民的现代风险防范意识，建立一个由政府部门、保险公司、媒体等多方参与的农业保险宣传体系。第五，保险公司还应苦练内功，提高保险公司的理赔质量，加快建立和健全农业保险专业人才储备的长效机制，培养一批具有高素质的农险专业队伍，才是农业保险长久发展之计。
[Abstract]:Hebei Province is a traditional big agricultural province, and is also a province with frequent agricultural disasters. Agricultural production is often affected by drought, wind and hail, frost, low temperature and freezing damage, and crop pests and diseases. It has seriously affected agricultural production and the life of farmers. Since Hebei Province began the pilot project of policy-oriented agricultural insurance in 2007, agricultural insurance has flourished in Hebei Province. Agricultural insurance plays a more and more important role in dispersing agricultural production risk, compensating disaster loss, stabilizing farmers' income and promoting agricultural development. Farmers' willingness to insure determines the level of development of policy-oriented agricultural insurance, and is a key factor in the success of policy-based agricultural insurance pilot projects. Although agricultural insurance in Hebei Province has achieved unprecedented results, However, there are still many problems, such as less kinds of insurance, smaller scope of underwriting liability, low level of guarantee, difficulty in determining damage, slow claim, moral hazard and so on, which seriously affect the enthusiasm of farmers to insure. In order to deeply study the factors that restrict the willingness of agricultural insurance demand, in addition to the existing data summarized and summarized, It also conducted field visits and questionnaires on the farmers' willingness to insure agricultural insurance in Hebei Province. The contents of the investigation are as follows: sex, age and household resident population, education level, income source and income level. Based on the survey data, the main factors influencing farmers' willingness to insure are extracted by Logistic regression analysis. Age, income source, education level and whether or not they have received the indemnity of agricultural insurance have a significant influence on the farmers' participation in agricultural insurance. Finally, according to the empirical results, the paper puts forward policy recommendations to improve farmers' willingness to insure. First, in terms of insurance liability, the most worried disasters such as drought and crop diseases and insect pests are gradually included in insurable risks within the scope of financial sustainability. Improve the attractiveness of policy-oriented agricultural insurance and expand the coverage of agricultural insurance. Second, in improving the agricultural insurance system, we should explore the coordination and coordination mechanisms between rural finance and agricultural insurance, such as the linkage between banks and insurance. Agricultural direct subsidy and agricultural insurance cooperation reduce the cost of information transmission and improve working efficiency. Third, in the subsidy method, we should further improve the level of subsidies, and explore differential subsidies to improve the efficiency of the use of financial subsidies. In order to be able to spend the least amount of money and do as many things as possible. Fourthly, in the field of agricultural insurance publicity, we should make full use of a variety of information dissemination carriers, such as television, the Internet, radio, newspapers, mobile phones, publicity publications, and so on. Strengthen the promotion and education of agricultural insurance products, cultivate farmers' modern awareness of risk prevention, and establish an agricultural insurance propaganda system involving government departments, insurance companies and the media. Fifthly, insurance companies should also practice hard their internal skills. The long-term development of agricultural insurance is to improve the quality of claims of insurance companies, to establish and improve the long-term mechanism of agricultural insurance professional talent reserve, and to train a group of high-quality agricultural insurance professionals.
【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.66

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