风险偏好视角下棉农保险购买意愿差异性分析——基于新疆1726个样本农户的实证调查

发布时间：2018-03-10 20:00

本文选题：棉花　切入点：农业保险　出处：《江苏农业科学》2017年02期 　论文类型：期刊论文

【摘要】：以新疆维吾尔自治区13个县市1 726户棉花种植农户的调研数据为基础,基于棉农风险偏好视角,将棉农风险偏好划分为风险喜好型、风险中立型、风险厌恶型三大类,运用二元Logistic模型对不同风险偏好的棉农保险购买意愿状况进行分析。结果表明:(1)不同风险偏好的棉农,保险购买的意愿差异较显著。其中,风险喜好型棉农购买意愿最为强烈,愿意购买比例达到75.63%,风险厌恶型棉农购买意愿次之,所占比例为68.29%,风险中立型购买意愿最弱,为68.24%。(2)不同风险偏好的棉农,购买意愿受到的影响因素也不同。如教育水平变量,对风险中立型农户的影响正向显著,而对于风险喜好型和风险厌恶型农户的影响不显著。(3)棉农整体参保意愿为70.51%,未来提高棉农保险参与率的潜力较大。因此,一方面建议保险公司应在健全保险制度的基础上,针对不同风险偏好的棉花种植农户提供多样化险种以及采取差异化的宣传方案;另一方面建议在以政府为主导的前提下,协调市场、企业、棉农等多方利益主体,健全农业保险制度,倡导农业保险的和谐、可持续发展。
[Abstract]:Based on the survey data of 1,726 cotton farmers in 13 counties and cities of Xinjiang Uygur Autonomous region, and from the perspective of cotton farmers' risk preference, the risk preference of cotton farmers is divided into three categories: risk preference type, risk neutral type and risk aversion type. This paper analyzes the purchase intention of cotton farmers with different risk preference by using binary Logistic model. The results show that the willingness of cotton farmers with different risk preferences is significantly different from that of cotton farmers with different risk preferences, among which, the cotton farmers with risk preference are the most willing to purchase insurance. The proportion of willing to buy is 75.63, the proportion of risk-averse cotton farmers is 68.29, and the risk neutral type is the weakest, which is 68.24.Y2) the factors that affect the willingness of purchase are also different among different risk preference, such as the variable of education level. The impact on risk-neutral farmers is positive, but it is not significant for risk preference and risk aversion farmers. (3) the overall willingness of cotton farmers to participate in insurance is 70.51, and the potential to increase the participation rate of cotton farmers in the future is greater. On the one hand, it is suggested that insurance companies should, on the basis of improving the insurance system, provide diversified insurance coverage for cotton farmers with different risk preferences and adopt differentiated publicity programs; on the other hand, it is suggested that under the premise of government-led, the insurance companies should provide diversified insurance coverage for cotton farmers with different risk preferences. Coordinate the market, enterprises, cotton farmers and other stakeholders, improve the agricultural insurance system, promote the harmony of agricultural insurance, sustainable development.
【作者单位】：新疆农业大学经济与贸易学院;
【基金】：国家自然科学基金(编号:71463058) 新疆农业大学自治区级产学研联合培养研究生示范基地项目(xjaucxy-yjs-20152023,xjaucxy-yjs-20141021) 新疆研究生创新项目(编号:XJGRI2015086)
【分类号】：F842.66;F326.12

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