CAJ | 학술논문

农户购买农业保险能够转移和分散农业生产中的各种自然风险和社会经济风险,对稳定农户生产收入,促进农业生产具有重要意义。我国的农业保险一直处于需求不足状态,多数农户都没有自愿主动参与农业保险的意愿。应用Logit模型,利用实地访谈和问卷调查的方法,以黑龙江省巴彦县万发镇336个农户为样本,从农户年龄、农户受教育水平、家庭农业劳动力人数、农户农业收入占家庭年收入比重、农业保险的宣传力度、农户对农业保险的了解程度、农业保险的服务质量、政府承担保费水平8个方面,对影响农户购买农业保险的意愿因素进行了实证分析,并根据实证结果,分别从政府和保险公司的角度提出相应的对策建议。
농호구매농업보험능구전이화분산농업생산중적각충자연풍험화사회경제풍험,대은정농호생산수입,촉진농업생산구유중요의의。아국적농업보험일직처우수구불족상태,다수농호도몰유자원주동삼여농업보험적의원。응용Logit모형,이용실지방담화문권조사적방법,이흑룡강성파언현만발진336개농호위양본,종농호년령、농호수교육수평、가정농업노동력인수、농호농업수입점가정년수입비중、농업보험적선전력도、농호대농업보험적료해정도、농업보험적복무질량、정부승담보비수평8개방면,대영향농호구매농업보험적의원인소진행료실증분석,병근거실증결과,분별종정부화보험공사적각도제출상응적대책건의。
Buying agricultural insurance could transfer and lessen natural risks and social risks in agri- cultural production. It has an important meaning in stabilizing farmers＇ income and promoting agricultural production. Yet, demanding for agricultural insurance in China has always been neglected. Most farmers are not willing to buy that. Through Logit model, we had done a fact analysis on farmers＇ willingness to buy agri- cultural insurance. Based on field research and questionnaires done by 336 farmers in Wanfa County, Bayan Town in Heilongjiang Province, this paper thoroughly analyzed the following eight factors： their different ag- es, their different education levels, agricultural workers within a family, agricultural income accounted in the whole household income, agricultural insurance propaganda, how much farmers learn about agricultural in- surance, service quality of agricultural insurance, and how much could government support. Then, we could also learn about willingness farmers had for buying agricultural insurance, and give our suggestions on how to encourage farmers to buy agricultural insurance from the perspectives of government and insurance corn- pany.