影响农户参保农业保险决策的因素分析

发布时间：2018-07-12 17:47

本文选题：农业保险 + 参保决策　；参考：《西北农林科技大学学报(社会科学版)》2017年01期

【摘要】：采用辽宁省农村入户调查数据,运用Heckman两阶段模型等方法,从微观层面实证研究农户农业保险参保决策及投保产量的决定因素。研究结果表明:农业收入、农业灾害、耕地面积对农户农业保险参保决策及投保产量产生正向影响;农业生产性支出不影响农户参与农业保险的决策,但是影响农户投保产量的高低;农户风险偏好、负债与农户参保决策及投保产量均为负相关关系;家庭资产数值越高,家庭经济条件越好,农户参与农业保险的概率越低,但是家庭资产对投保产量不产生影响;农户受教育程度越高,越容易接受新的规避农业风险的手段,这类农户越倾向于参与农业保险;除此之外,农户对农业保险的满意程度也是投保决策的重要影响因素。
[Abstract]:Based on the survey data of rural households in Liaoning Province and the Heckman two-stage model, this paper empirically studies the determinants of farmers' agricultural insurance policy and the insured output from the micro level. The results show that agricultural income, agricultural disasters and cultivated land area have a positive impact on farmers' agricultural insurance policy decision and insured output, and agricultural productive expenditure does not affect farmers' participation in agricultural insurance decision-making. However, there is a negative correlation between farmers' risk preference, liabilities and farmers' insurance decision and insured output. The higher the value of household assets, the better the household economic conditions, the lower the probability of farmers' participation in agricultural insurance. However, household assets have no effect on the insured output; the more educated farmers are, the easier they are to accept new means of avoiding agricultural risks, and the more likely such farmers are to participate in agricultural insurance. Farmers' satisfaction with agricultural insurance is also an important factor in insurance decision.
【作者单位】：辽宁大学经济学院;
【基金】：教育部人文社会科学规划项目(14YJA790040) 辽宁省教育厅人文社科重点研究基地专项(ZJ2015023) 辽宁省社会科学规划基金项目(L14BJY020)
【分类号】：F842.66

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