海宁市农户购买农业保险意愿影响因素研究

发布时间：2018-03-26 17:06

本文选题：农业保险　切入点：投保意愿　出处：《浙江农林大学》2017年硕士论文

【摘要】：中国是一个对农业有着巨大需求的发展中国家,而政策性农业保险则对整个农业体系的稳定发展起到了很好的保障作用。他不仅仅扮演着经济保障角色,更有利于国家社会政治的长治久安。相当长时间来,国内外有诸多的专家对农业保险进行了全方位研究。国内专家主要是从农业保险投保主体、投保意愿、供给方式等微观方面进行分析,国外发达国家的专家更注重于农业保险体系等宏观方面的研究。我国发展农业保险起步较晚,2004才正式决定开展政策性农业保险。经过多年的试点,在经济新常态下,政策性农业保险已经开始发挥积极的作用,很好的保障了整个农业经济的稳定发展。但是我们的政策性农业保险与发达国家相比还存在一定的差距,仍有很多地方需要不断学习、改进。为了更加精确合理的了解农业保险主体的实际投保意愿需求,本文在总结归纳已有的国内外文献基础上,选取海宁市范围内农户进行实地调研走访,以调查问卷形式进行记录。调查主要涉及教育程度、农业收入比重、了解渠道、投保经历、理赔经历、补贴政策等十个方面。根据调查的结果进行数据汇总,应用Logistics回归分析,将投保意愿归纳为0和1两种结果,选用强制纳入法进行显著性检验,找出农户投保意愿的主要影响因素。通过研究,购买农业保险的主要影响因素是农户教育程度、农业收入占比、投保流程便利程度、政府补贴比例、以往赔付经历五个方面。最后根据调研结果从农户、保险公司、政府三个层面提出针对性的意见建议。
[Abstract]:China is a developing country with great demand for agriculture, and policy-oriented agricultural insurance plays a good role in ensuring the stable development of the entire agricultural system. It is more conducive to the long-term political and social stability of the country. For quite a long time, many experts at home and abroad have carried out comprehensive studies on agricultural insurance. Domestic experts mainly come from the main body and willingness to insure agricultural insurance. The supply mode and other microscopic aspects are analyzed. Experts from developed countries abroad pay more attention to the research on macro aspects such as agricultural insurance system. In China, the development of agricultural insurance started later than in 2004. After many years of trial, under the new normal economic conditions, China formally decided to launch policy-oriented agricultural insurance. Policy agricultural insurance has begun to play a positive role in ensuring the stable development of the entire agricultural economy. However, compared with the developed countries, there is still a certain gap between our policy agricultural insurance and the developed countries. There are still a lot of places to learn and improve. In order to get a more accurate and reasonable understanding of the demand of the actual insurance intention of the main body of agricultural insurance, this paper summarizes the existing literature at home and abroad. Select the farmers in Haining City to conduct field investigation and visit, and record them in the form of questionnaire. The investigation mainly involves education, proportion of agricultural income, understanding of channels, insurance experience, claim settlement experience, According to the results of the survey, using Logistics regression analysis, the intention of insurance is divided into two kinds of results: 0 and 1, and the mandatory inclusion method is used to test the significance. Find out the main influencing factors of farmers' willingness to insure. Through research, the main influencing factors of purchasing agricultural insurance are farmers' education level, the proportion of agricultural income, the degree of convenience of insurance process, the proportion of government subsidies. In the end, according to the research results, the author puts forward some suggestions from three aspects: farmers, insurance companies and government.
【学位授予单位】：浙江农林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.66;F713.55

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