不同保险方式下农户购买农业保险的意愿分析——陇东黄土高原区524户农户问卷调查  

Analysis on the Scenarios of Farmers' Willingness to Purchase Agricultural Insurance——A Questionnaire Survey on 524 Farmers in the Regions of the Loess Plateau in Eastern Gansu Province

作　　者：王振军[1] 

机构地区：[1]兰州商学院财税与公共管理学院,甘肃兰州730020

出　　处：《兰州大学学报（社会科学版）》2014年第2期132-138,共7页Journal of Lanzhou University（Social Sciences）

基　　金：教育部人文社会科学研究西部和边疆地区项目(11XJC 790010);甘肃省教育厅硕导项目(1205-01)

摘　　要：以陇东黄土高原区玉米和马铃薯保险为例,采用条件评价法设计问卷调查,运用情景分析手段,就农户购买农业气象指数保险和传统农业保险的意愿进行了分析。结果表明:由于基差风险较大,在同一保障水平和个人投保费率下农户购买传统农业保险的意愿高于购买农业气象指数保险。鉴于气象指数保险相对于传统农业保险拥有诸多优势且基差风险成为制约农户购买农业气象指数保险的主要因素,依据分析结果就该区农业气象指数保险的保障水平、政府财政补贴标准及减小农业气象指数保险的基差风险等方面,提出了相应对策措施和政策建议。Taking corn and potato insurances as examples and by means of scenario analysis method,a questionnaire is designed based on the condition evaluation method,and a survey is done concerning farmers' willingness of purchasing weather index insurance for agriculture and traditional agriculture insurance.The analysis shows that because of the high basis risk,farmers are more willing to buy traditional agriculture insurance rather than weather index insurance for agriculture.In view of the advantages that weather index insurance for agriculture has in relation to traditional agriculture insurance,this paper suggests that the positive impact of weather index insurance for agriculture upon effective agriculture should be advocated,subsidies from the government should be increased,and the basis risk of weather index insurance for agriculture should be lowered.

关 键 词：保险方式 投保收益率要素 陇东黄土高原区 农业保险 

分 类 号：F842.66[经济管理—保险]