农民参与农业保险意愿影响因素的理论与实证分析——基于重庆市的样本调查  

Theoretical and Empirical Analysis of Influencing Factors for Farmers's Willingness to Participate in Agricultural Insurance——Based on a Sample Survey in Chongqing

作　　者：刘渝琳[1] 陈玲[1] 滕洋洋[1] 

机构地区：[1]重庆大学贸易与行政学院,重庆400030

出　　处：《重庆理工大学学报（社会科学）》2012年第1期39-46,共8页Journal of Chongqing University of Technology（Social Science）

基　　金：教育部人文社会科学规划项目"防范‘增长性贫困’的城乡收入差异评价与矫正机制研究"(09YJA790205)资助;国家软科学研究计划项目(2010GXS5D256);重庆大学中央高校基本科研业务费科研专项重大重点项目(CDJSK10 01 93)阶段性成果

摘　　要：在对影响农民参与农业保险意愿因素理论分析的基础上,针对重庆市503户农户的调查资料,建立Logistic回归模型进行实证研究,研究发现:农民的性别、年龄、受教育程度、家庭纯收入水平、自然灾害发生风险预期、农产品价格预期、保险缴费水平和保险赔付效率等因素对农业保险参与意愿影响显著,其中,自然灾害发生风险预期、农产品价格预期是影响农民参与农业保险的最重要的两个因素,而非农收入水平和政府补贴对其参与意愿影响不显著。In this paper,based on the theoretical analysis of influencing factors for farmers＇ willingness to participate in agricultural insurance,logistic regression model is established for the survey data of 503 households in Chongqing,and the study shows that the factors on the farmers such as sex,age,educational level,level of household net income,risk expectation for natural disasters,expectation for agriculture product prices,insurance payment levels and efficiency of insurance payment affect the willingness to participate in the agricultural insurance significantly,in which risk expectation for natural disasters and expectation for agriculture product prices are the most important ones,while the non-agriculture income level and government subsidies have no significant influence on the farmers＇ willingness.

关 键 词：农业保险 参与意愿 影响因素 LOGISTIC回归模型 

分 类 号：F840.66[经济管理—保险]