CAJ | 학술논문

农机保险是促进农业机械化发展的重要保障，然而目前农机保险还不为农民所熟知。为了更好地使其在农民中得到普及与推广，根据农机保险需求，对黑龙江省部分农户及农场进行了问卷调查和走访。在了解农机保险需求现状的基础上，基于调查数据，运用logit 模型，分析得出影响农机保险需求的主要因素为农户的家庭收入、对保险公司的认可程度、农机保险了解程度、受教育水平和风险意识等5方面。在需求影响因素分析的基础上，结合农机保险需求现状，进一步在农机保险宣传、险种设计、定价与补贴等方面提出了相应建议，以期为农机保险能够在大范围内顺利推广提供参考借鉴。
농궤보험시촉진농업궤계화발전적중요보장，연이목전농궤보험환불위농민소숙지。위료경호지사기재농민중득도보급여추엄，근거농궤보험수구，대흑룡강성부분농호급농장진행료문권조사화주방。재료해농궤보험수구현상적기출상，기우조사수거，운용logit 모형，분석득출영향농궤보험수구적주요인소위농호적가정수입、대보험공사적인가정도、농궤보험료해정도、수교육수평화풍험의식등5방면。재수구영향인소분석적기출상，결합농궤보험수구현상，진일보재농궤보험선전、험충설계、정개여보첩등방면제출료상응건의，이기위농궤보험능구재대범위내순리추엄제공삼고차감。
The agricultural machinery insurance is an important guarantee to promote the development of agricultural mechanization , but it is currently not well known among farmers .In order to develop agricultural machinery insurance well among farmers , questionnaire survey and interviews were conducted on farmers and farms to investigate the demand for agricultural machinery insurance in Heilongjiang Province .Based on survey data , logit model is used to reveal the main factors to affect the demands for agricultural machinery insurance include farmers'household income , acceptance of insurance companies , the understanding of agricultural machinery insurance , education level , and risk awareness .Ac-cording to the analysis of affecting factors and the current situation , the corresponding suggestions on conducting propa-ganda , designing insurance types , pricing and increasing subsidies of the agricultural machinery insurance , are put for-ward, which will provide significant references for promoting the smooth development of agricultural machinery insurance on a large scale .