摘要
以水稻保险为例,利用湖北省4个水稻完全成本保险试点县市545个水稻种植农户的调查数据,运用Logit回归模型,对影响农户参保意愿的因素进行了实证分析。结果表明,每公顷保障额度增加额、年龄、对完全成本保险的了解程度、对保险公司服务的满意程度、种植面积对农户参保意愿有显著正向影响。总保费增加额、从事农业生产时间、受教育程度、受灾比例和每公顷赔付金额对农户参保意愿影响不显著。基于研究结论,从调整财政支农投入结构,加大政策性农业保险财政支持力度;提高农业保险政策的相容性,加快建立多保障水平下农业保险产品体系;鼓励农业保险产品设计的精细化,提高财政补贴资金的精准性3个方面提出了增强农户参保意愿的对策建议。
Taking rice insurance as an example,this study used the survey data of 545 rice farmers in four pilot counties and cities of Hubei province,and used the binary logit regression model to analyze the factors influencing farmers’willingness to participate in the insurance.The results showed that the increase of insurance per hectare,age,the understanding of full cost insurance,the satisfaction with insurance companies’services,and planting areas had a significant positive impact on farmers’willingness to participate in in⁃surance.The total premiums increase,farmers’farming time,education level,disasters proportion and compensation amount per hect⁃are had no significant impact on farmers’willingness to participate in insurance.Based on the research conclusions,this study put for⁃ward countermeasures and suggestions to enhance farmers’willingness to participate in insurance from three aspects:adjusting the structure of financial support for agriculture,increasing the financial support for policy oriented agricultural insurance;improving the compatibility of agricultural insurance policies,accelerating the establishment of agricultural insurance product system under multiple security levels;encouraging the refinement of agricultural insurance product design,and improving the accuracy of financial subsidies.
作者
陈军
帅朗
胡蝶
CHEN Jun;SHUAI Lang;HU Die(School of Finance,Zhongnan University of Economics and Law,Wuhan 430073,China;Hubei Academy of Agricultural Sciences,Wuhan 430073,China)
出处
《湖北农业科学》
2021年第2期173-179,共7页
Hubei Agricultural Sciences
关键词
完全成本保险
保障水平
参保意愿
full cost insurance
security level
participation willingness
