福建省农户农业保险市场需求强度研究——基于龙岩市、漳州龙海市795个样本的调研

发布时间：2018-11-21 13:46

【摘要】：基于对福建省龙岩和漳州两地区795个样本农户的入户访谈,通过问卷调查法和统计分析法,调查发现福建省广阔的耕地面积、专业化作物种植和特殊地理区位引致的气象灾害为农业保险市场开拓奠定了现实基础。统计发现农户普遍认为自然灾害发生频繁和灾后损失严重,生产实践中除了农户自身积累的风险防御措施之外,农业保险逐渐成为农户规避风险的重要手段之一,绝大多数农户对农业保险产品需求强烈,并表现出多元化和新型化需求趋势,同时研究得出农业保险市场缺失是导致农户未购买农业保险的重要原因。据以上研究结论提出了扩大农业保险覆盖面、开发多样化农业保险产品以及建立规范的农业保险制度等政策建议。
[Abstract]:Based on the household interviews of 795 sample farmers in Longyan and Zhangzhou areas of Fujian Province, and through the method of questionnaire and statistical analysis, it is found that Fujian Province has a vast cultivated land area. The meteorological disasters caused by specialized crop planting and special geographical location lay a realistic foundation for the development of agricultural insurance market. Statistics show that farmers generally think that natural disasters occur frequently and losses after disasters are serious. In production practice, in addition to the risk prevention measures accumulated by farmers themselves, agricultural insurance has gradually become one of the important means for farmers to avoid risks. The majority of farmers have a strong demand for agricultural insurance products and show a trend of diversification and new-type demand. At the same time, the lack of agricultural insurance market is an important reason for farmers not to buy agricultural insurance. According to the above conclusions, some policy suggestions are put forward, such as expanding the coverage of agricultural insurance, developing diversified agricultural insurance products and establishing a standardized agricultural insurance system.
【作者单位】：西北农林科技大学经济管理学院;
【基金】：教育部2011年度长江学者和创新团队发展计划基金(IRT1176) 德国技术合作公司合作项目
【分类号】：F842.66;F224

【参考文献】