摘要
为探讨社会网络、保险认知对农户农业保险参保行为的影响及作用机理,利用2019年武汉城市圈部分农户的调查数据,运用中介效应模型和Logistic模型实证检验了三者之间的关系。结果表明:第一,社会网络对农户农业保险参保行为未产生直接显著影响。第二,保险认知对农户农业保险参保行为具有显著正向影响,可以有效促进其农业保险参保行为。第三,社会网络通过影响农户保险认知进而促进其农业保险参保行为,且保险认知起完全中介作用。鉴于此,应加强农户间以及农户与村干部的交流,加大农业保险宣传力度,完善农业保险政策体系等,以更有效地促进农户参与农业保险。
To investigate the impact of social network and insurance cognition on farmers’ participation in agricultural insurance and its mechanism,based on the survey data of some farmers in Wuhan metropolitan area in 2019,this study empirically tested the relationship between these three by using the mediating effect model and Logistic model.The results showed that:Firstly,the social network has no direct significant impact on the participating behavior of farmers in agricultural insurance.Secondly,insurance cognition has a significant positive impact on the agricultural insurance participation behavior of farmers,which can effectively promote their agricultural insurance participation behavior.Thirdly,social network promotes farmers’ participation in agricultural insurance by influencing their insurance cognition,and insurance cognition plays a complete mediating role.In conclusion,to promote farmers’ wide participation in agricultural insurance,communications between farmers and farmers and village cadres,the propaganda of agricultural insurance,improvement of the agricultural insurance policy system should be strengthened.
作者
于鑫鑫
谢金华
杨钢桥
黄丹
YU Xinxin;XIE Jinhua;YANG Gangqiao;HUANG Dan(College of Public Administration,Huazhong Agricultural University,Wuhan 430070,China)
出处
《中国农业大学学报》
CAS
CSCD
北大核心
2021年第12期263-278,共16页
Journal of China Agricultural University
基金
国家自然科学基金项目(41871179,71901101)。
关键词
社会网络
保险认知
农业保险
参保行为
social network
insurance cognition
agricultural insurance
participation in insurance
