农户对养殖保险认知及购买的影响因素研究  

Study on Factors Influencing Farmers' Cognitive and Purchasing Behavior on Breeding Insurance

作　　者：闫振宇[1] 陶建平[1] 徐家鹏[2] 李新建[3] 

机构地区：[1]华中农业大学经济管理学院,湖北武汉430070 [2]西北农林科技大学经济管理学院,陕西杨凌712100 [3]华中农业大学理学院,湖北武汉430070

出　　处：《华中农业大学学报（社会科学版）》2011年第6期45-49,共5页Journal of Huazhong Agricultural University(Social Sciences Edition)

基　　金：教育部人文社会科学研究项目"我国农业动物疫病公共风险与应急管理体系建设研究"(06JA790042);教育部"新世纪优秀人才支持计划"(NCET-0700346);华中农业大学农业经济与社会发展项目"基于农户视角的我国农业动物疫病应急管理研究"(XB0925)

摘　　要：人类的行为受其认知水平的制约,农户对养殖保险的认知直接制约其购买保险的行为。通过实地调研,综合运用描述性统计分析及Logistic模型,分析养殖农户对养殖保险的认知及影响其购买的因素。结果表明:文化水平、购买过保险的种数以及采用的分散风险措施对农户关于养殖保险的认知有显著的积极影响;而非农收入占家庭总收入的比重与认知水平呈反向关系;年龄、家庭主要劳动力数量对认知的影响不明显。提出了推动养殖保险发展的建议。Human behavior is restricted by their cognitive degree,and farmers＇ perception on aquaculture insurance restricts their purchasing behavior directly.Through on-the-spot investigation and the use of descriptive statistical analysis and Logistic model,this paper analyzes factors influencing farmers＇ cognitive and purchasing behavior on breeding insurance.The result shows that education,number of insurance as well as the risk dispersing measures have positive effect on farmers＇ cognition of breeding insurance.While proportion of non-farming income in family＇s total income has a negative relationship with farmer＇s cognitive degree on breeding insurance and age as well as the number of labor force in the family has a slight influence on such cognition.This paper finally proposes some suggestions on how to push forward the development of breeding insurance.

关 键 词：养殖保险 农户 农户行为 认知 LOGISTIC模型 养殖业 

分 类 号：F840.66[经济管理—保险]