基于农户视角的政策性种植业保险调研报告——以湖南省566户调查数据为例  

Field Survey on Policy-oriented Crop Insurance from Farmers' Perspective——Taking 566 Households' Questionnaires in Hunan Province for Example

作　　者：周美琴[1,2] 宁松[3] 聂文东[4] 赵智国[3] 史培军[1,2,5] 

机构地区：[1]北京师范大学地表过程与资源生态国家重点实验室,北京100875 [2]民政部-教育部减灾与应急管理研究院,北京100875 [3]中国人民财产保险股份有限公司湖南省分公司,湖南长沙410008 [4]中国人民财产保险股份有限公司,北京100022 [5]北京师范大学环境演变与自然灾害教育部重点实验室,北京100875

出　　处：《灾害学》2012年第4期103-106,113,共5页Journal of Catastrophology

基　　金：国家重大科学计划("九七三")项目"全球变化及环境风险关系及其适应性范式研究"(2012CB955404)

摘　　要：基于566户调研数据,对湖南省开展的政策性种植业保险做了深入分析,以期对农业保险的开展和相关政策实施提供有益的参考。调查结果显示:水稻和棉花保险保障程度有限,低于基本物化成本;对相关政策的不理解以及担心得不到赔偿是限制农户购买农业保险的主要原因;农户愿意支付的水稻与棉花的保险费率平均在2.6%～3.0%。建议加强农村基础设施建设,提高农业生产设防水平;结合农民需求和支付意愿,设计合理丰富的保险产品;增加农民收入,加强保险知识教育;加大农业保险宣传,保证基层政府和保险公司良好的公信度。Based on the 566 households’ questionnaires,policy-oriented crop insurance is investigated in Hunan province in order to provide valuable references for the implementation of agricultunal insurance.Survey results show that protection level of rice and cotton insurance is low,which is less than the basic production cost,the main reasons that farmers do not purchase agricultural insurance are incomprehension about this policy and suspicion about indemnity and the average premium rate that farmers are willing to pay is 2.6%～3.0%.Some suggestions are put forward：strengthen rural infrastructure construction and the ability of resisting agricultural risk;design reasonable and variable insurance products combining with farmers’ needs and willingness to pay;raise farmers’ revenue and improve insurance knowledge education;strengthen publicity about agricultural insurance and guarantee good government credibility.

关 键 词：政策性种植业保险 农户 调研 湖南 

分 类 号：F840.66[经济管理—保险]