财政补贴对我国农户农业保险参保决策影响的实证研究——以浙江省为例  

Empirical Study on Influence of Financial Subsidy on Farmers’Agricultural Insurance Decision:Evidence from Zhejiang Province in China

作　　者：施红[1] 

机构地区：[1]浙江大学公共管理学院,杭州310027

出　　处：《技术经济》2008年第9期88-93,共6页Journal of Technology Economics

基　　金：浙江省哲学社会科学基金项目(07JDLB007BS);浙江省教育厅项目(20070093)资助

摘　　要：2004年,中国开始政策性农业保险试点工作,各级政府通过财政补贴激励农户购买农业保险。本文以浙江省为例,采用Logistic模型,对影响农户农业保险参保决策的因素进行实证分析。研究结果表明:农户对保费补贴政策的了解程度对其参保决策具有统计上的显著影响;保费补贴激励和风险厌恶激励成为推动农户参保的主要因素。据此本文指出,提高农户对政策性农业保险的认知程度和设计符合农户需求的保险险种,能够推动政策性农业保险的深入发展。China＇ s policy-oriented agricultural insurance experiment, starting in 2004, encourages farmers to purchase agriculture insurance through providing financial subsidy to them. By the evidence from Zhejiang province,this paper empirically analyzes the factors influencing farmers＇ agricultural insurance decision with Logistic model. The results show that the degree on farmers＇ knowing about financial subsidy significantly affects their agriculture insurance decision, and subsidy incentive and risk-averse incentive are the main influencing factors. Therefore, it indicates that the policy-oriented agriculture insurance would be further developed by improving the farmers＇ cognition degree of agricultural insurance and designing the suitable agricultural insurance categories.

关 键 词：财政补贴 农业保险 参保决策 

分 类 号：F842.6[经济管理—保险] F812.45F224