吉林省农户对政策性玉米保险需求意愿及影响因素研究

发布时间：2018-08-26 08:54

【摘要】：中国是一个农业大国,“三农”问题一直作为中国革命和建设的主要问题而存在,然而,在如今实行现代化建设和改革开放的时代,“三农”问题依旧是关系到国家全局的重要问题。农民亟需建立一种转移和分散风险的管理机制。农业保险,站在农民的立场上讲,它可以作为一种转移风险的工具,站在国家的立场上讲,它可以作为一种发展和保护农业的主要手段。吉林省作为一个农业大省,它能够积极参与农业保险的试点,利用地方政府和保险公司以“联办共保”的方式首次尝试开办政策性农业保险。另外,考虑到在吉林省玉米种植面积最大,是大宗农作物中最具有代表性、关系农民数量最多、事关国家粮食生产安全的品种,首先从玉米种植保险开始分析,能够为今后大宗农作物的保险积累发展经验。本研究以影响农户农业保险需求的因素为主题,结合吉林省农安县、梨树县、公主岭市的农业保险情况,采用随机抽样的方法确定调查对象,采取入户问卷调查和实地访谈的方式获取一手数据,运用Eviews软件工具,利用描述性统计分析和Logit模型回归相结合的方法,针对吉林省农户玉米保险需求意愿的影响因素进行分析,找出各个因素的影响方向及影响程度,最后,为增加农户对玉米保险的有效需求提出合理的对策建议,从而促进吉林省农业保险的发展。本文共分为五个章节：第一章前言。主要介绍了研究背景及研究意义、国内外文献综述、研究目标及框架、研究内容、研究技术路线及研究方法等；第二章介绍了吉林省玉米生产地位与自然灾害情况,以及农业保险的发展现状和存在的问题；第三章主要根据调查问卷所获取的数据,针对吉林省农户对农业保险需求意愿影响因素所进行的描述性统计分析；第四章利用Logit模型,针对吉林省农户对农业保险需求意愿的影响因素进行实证分析。假定影响因素分别为年龄、文化教育水平、玉米种植面积、农户家庭收入状况、玉米收入占家庭收入的比重、农户对农业保险的了解程度以及理赔满意度；第五章在理论研究与实际情况相结合、描述性分析和实证分析相结合的基础上总结出结论,最后根据结论提出有针对性的对策建议。
[Abstract]:China is a big agricultural country, and the "three rural" issue has always been the main issue of China's revolution and construction. However, in today's era of modernization and reform and opening up, the "three rural" issue is still an important issue related to the overall situation of the country. From the standpoint of peasants, insurance can be used as a tool to transfer risks. From the standpoint of the state, it can be used as a major means to develop and protect agriculture. In addition, considering that the corn planting area in Jilin Province is the largest, is the most representative of large-scale crops, the number of farmers is the largest, related to national food production safety varieties, first of all from the corn planting insurance analysis, can accumulate for the future insurance of large-scale crops development. Test.
This research takes the factors that affect the demand of farmer's agricultural insurance as the theme, combines the agricultural insurance situation of Nong'an County, Lishu County and Gongzhuling City of Jilin Province, adopts the method of random sampling to determine the survey object, adopts the way of household questionnaire survey and field interview to obtain the first-hand data, uses Eviews software tool, uses descriptive statistical analysis and L. This paper analyzes the factors that affect the farmers'willingness to insure corn in Jilin Province by using the method of ogIT regression, and finds out the direction and degree of each factor. Finally, it puts forward reasonable countermeasures and suggestions for increasing the farmers' effective demand for corn insurance, so as to promote the development of agricultural insurance in Jilin Province.
This article is divided into five chapters.
The first chapter is the introduction. It mainly introduces the research background and significance, literature review at home and abroad, research objectives and framework, research content, research technology and research methods.
The second chapter introduces the status of corn production and natural disasters in Jilin Province, as well as the development status and existing problems of agricultural insurance.
In the third chapter, based on the data obtained from the questionnaire, descriptive statistical analysis is made on the influencing factors of farmers'willingness to demand agricultural insurance in Jilin Province.
In the fourth chapter, the author uses Logit model to analyze the influencing factors of farmers'willingness to demand agricultural insurance in Jilin Province. Degree;
The fifth chapter summarizes the conclusions based on the combination of theoretical research and practical situation, descriptive analysis and empirical analysis, and finally puts forward the corresponding countermeasures and suggestions according to the conclusions.
【学位授予单位】：吉林农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.66

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