农户的风险意识、保险认知与政策性农业保险——基于河北试点的实证分析

发布时间：2018-07-12 17:21

本文选题：农业保险 + 风险意识　；参考：《农村经济》2013年09期

【摘要】：近年,我国农业保险发展取得了较大进展,但面临的问题也日益突出,尤其是在政府提供保费补贴的前提下,农户的有效保险需求依然不足。通过对河北省政策性农业保险的调研分析,研究农户的风险意识、保险认知与农业保险覆盖率的关系,发现政府提供保费补贴已不是农户购买农业保险的最主要动因,提高农业保险覆盖率,关键在于农户对农业保险形成正确的认知及保险公司能够提供符合农户风险规避需求的保险产品。
[Abstract]:In recent years, great progress has been made in the development of agricultural insurance in China, but the problems are increasingly prominent, especially in the premise of premium subsidies provided by the government, farmers' demand for effective insurance is still insufficient. Based on the investigation and analysis of policy agricultural insurance in Hebei Province, this paper studies the risk consciousness of farmers, the relationship between insurance cognition and agricultural insurance coverage, and finds that the premium subsidy provided by the government is not the main motivation for farmers to purchase agricultural insurance. To improve the coverage of agricultural insurance, the key lies in the farmers' correct understanding of agricultural insurance and the ability of insurance companies to provide insurance products that meet the needs of farmers' risk aversion.
【作者单位】：河北经贸大学金融学院;石家庄经济学院;
【基金】：国家社科基金项目“我国政策性农业保险覆盖率问题研究”(编号:12BJY166)的阶段性研究成果
【分类号】：F842.6

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