共生合作视角的农业保险企业农业巨灾风险分散行为——基于72家农业保险企业营销服务部或代办处的研究  

Analysis of Agricultural Catastrophe Risk Diversification of Agricultural Insurance Enterprise from the Symbiosis Cooperation Perspective——Based on an empirical study of 72 field offices or agencies of agricultural insurance enterprises

作　　者：邓国取[1] 康淑娟[1] 刘建宁[2] 柴兵兵[1] 闫朴[1] 

机构地区：[1]河南科技大学管理学院,河南洛阳471002 [2]洛阳理工学院工程管理系,河南洛阳471023

出　　处：《保险研究》2013年第12期87-97,共11页Insurance Studies

基　　金：国家社科基金(12BGL076);国家社科基金西部项目(11XJY029);国家科技部科技创新专项课题;河南科技大学重大预研基金项目

摘　　要：本文以三家农业保险企业在河南省、陕西省、湖北省和浙江省的12个县(市)开办的72个营销服务部或代办处作为调研样本,探讨了农业保险企业参与农业巨灾风险分散共生合作行为选择的影响因素。研究结果显示,农业巨灾风险分散环境、农业巨灾风险分散意识、农业巨灾风险分散能力和农业巨灾风险分散方式对农业保险企业参与农业巨灾风险分散共生合作的行为选择有显著的促进作用;合作伙伴特质、互动关系和信用制度对农业保险企业参与农业巨灾风险分散共生合作的行为选择有影响,但不显著。This paper used the 72 field offices and agencies of three agricultural insurance enterprises in 12 coun- ties （cityies） of Heman, Shaanxi, Hubei and Zhejiang as samples to study the influencing factors of symbiosis co- operation behaviors for agricultural catastrophe risk dispersion. The results showed that factors having obvious posi- tive influence on the symbiosis cooperation behavior choice of agricultural insurance enterprises included the envi- ronment for agriculture catastrophe risk dispersion, the awareness of agriculture catastrophe risk dispersion, capa- bilities of agricultural catastrophe risk dispersion, and methods of agriculture catastrophe risk dispersion. Factors having certain but not significant influence on the symbiosis cooperation behavior choice were partner characteris- tics, interaction relation and credit system.

关 键 词：共生合作 农业保险企业 风险分散 行为分析 

分 类 号：F840.64[经济管理—保险]