农户对政策性农业保险理赔评价及影响因素分析——以江苏省养殖业为例

发布时间：2018-06-15 07:59

本文选题：农户 + 政策性农业保险　；参考：《南京农业大学学报(社会科学版)》2017年03期

【摘要】：本文基于对江苏省883户已获理赔的养殖户的实地调研,采用模糊综合评价法分析目前江苏省政策性农业保险实际推广中不同类型农业经营主体对当前政策性农业保险的理赔评价,并实证检验影响农户理赔评价的各类因素。研究发现:农业保险理赔仍存在较大的优化空间,其中小农户改进空间更大;中央财政补贴险种对两类农户支持较好;农业保险弥补成本能力设计不足主要是由于保险金额确定不合理;农户对理赔效率较满意,但网点设立不足。中央补贴影响、农户基本特征、农户对农业保险认知特征、参加农业培训频率对不同农业经营主体评价理赔效果具有显著影响。在此基础上进一步提出政策支持建议。
[Abstract]:This paper is based on a field survey of 883 farmers in Jiangsu Province who have already received claims. The fuzzy comprehensive evaluation method is used to analyze the claims of different types of agricultural operators in the actual extension of agricultural insurance in Jiangsu Province, and the factors that affect the evaluation of farmers' claims are empirically tested. It is found that there is still great room for optimization of agricultural insurance claims, in which small farmers have more room for improvement, and the central financial subsidy policy supports the two types of farmers better. The main reason is that the insurance amount is not reasonable, the farmers are satisfied with the efficiency of claim settlement, but the establishment of the network is insufficient. The influence of central subsidy, the basic characteristics of farmers, the cognitive characteristics of farmers' agricultural insurance, and the frequency of participating in agricultural training have significant effects on the evaluation of claims by different agricultural operators. On this basis, further policy support suggestions are put forward.
【作者单位】：南京农业大学金融学院/农业保险研究所;
【基金】：农业部软科学项目“政策性农业保险机制创新研究——基于江苏省试点情况的调查”(201608-1) 江苏高校哲学社会科学研究项目“现代农业保险理论、机制与实践研究”(2016ZDIXM010) 江苏省保险学会基金项目“江苏省农业保险大灾补偿能力评价及影响因素分析”(SBX2017-5-C-02)
【分类号】：F326.3;F842.66

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