价值工程
價值工程
개치공정
VALUE ENGINEERING
2015年
3期
161-162
,共2页
小额保险%Logit模型%参保意愿%影响因素
小額保險%Logit模型%參保意願%影響因素
소액보험%Logit모형%삼보의원%영향인소
micro-insurance%Logit model%the insured wishes%influencing factors
从影响陕西省农民参加小额保险影响因素出发，进行问卷调查，建立Logit模型，分析影响陕西省农民参保意愿的主要因素。研究结果表明，陕西农民的年龄、接受教育程度的高低、对于保险的认知水平和近三年风险状况等因素对农民的参保意愿影响显著，其中年龄和接受教育的程度的影响为负相关，其他影响因素为正相关。
從影響陝西省農民參加小額保險影響因素齣髮，進行問捲調查，建立Logit模型，分析影響陝西省農民參保意願的主要因素。研究結果錶明，陝西農民的年齡、接受教育程度的高低、對于保險的認知水平和近三年風險狀況等因素對農民的參保意願影響顯著，其中年齡和接受教育的程度的影響為負相關，其他影響因素為正相關。
종영향합서성농민삼가소액보험영향인소출발，진행문권조사，건립Logit모형，분석영향합서성농민삼보의원적주요인소。연구결과표명，협서농민적년령、접수교육정도적고저、대우보험적인지수평화근삼년풍험상황등인소대농민적삼보의원영향현저，기중년령화접수교육적정도적영향위부상관，기타영향인소위정상관。
From the factors affecting farmers' insured wishes for micro-insurance in Shaanxi Province, this paper conducted questionnaire, established Logit model and analyzed the main influencing factors. The results showed that, Shaanxi farmer's age, education level, cognitive level for insurance and risk profile in recent years had significant effect on the insured wishes of farmers, in which the age and education level had a negative correlation with the insured wishes and other factors had a positive correlation.
