风险认知、保险意识与农户的风险承担能力——基于苏、皖、川3省1554户农户的问卷调查  

Risk Perception,Insurance Awareness and Crop Producers' Ability of Risk Taking——Empirical Study Based on 1554 Questionnaire from Crop Producers in Anhui, Jiangsu andSichuan Provinces

作　　者：叶明华[1] 汪荣明[1] 吴苹[1] 

机构地区：[1]华东师范大学金融与统计学院

出　　处：《中国农村观察》2014年第6期37-48,95,共12页China Rural Survey

基　　金：国家社会科学基金重大项目"农业灾害风险评估与粮食安全对策研究"(批准号:13&ZD161);上海市哲学社会科学规划课题"长三角农业灾害的空间统计研究"(批准号:2013BGL005);国家自然科学基金"农业气象灾害;政策性农业保险与粮农生产行为:基于苏;皖农户调查的微观实证"(批准号:71403088);高等学校学科创新引智计划(批准号:B14019)资助

摘　　要：为考察农户风险认知、保险意识与风险承担能力三个变量之间是否具有相关性,同时深入探究不同特征群体的农户在风险认知、保险意识和风险承担能力方面是否存在个体的显著性差异,基于江苏、安徽和四川粮食种植重点区(县)的1554户农户的问卷调查数据,本文进行了相关性和差异性的多重实证检验。研究发现:样本地区农户的风险认知、保险意识和风险承担能力之间具有显著相关性,但地区、受教育水平、耕地经营形式、种植方式、灌溉方式和农产品出售方式等变量会导致农户在风险认知、保险意识和风险承担能力方面表现出显著的个体差异。故此,农业风险管理政策须关注不同特征农户群体的多样化需求,并优化农业保险的保障度和保障范围以提高农业保险的福利效用。Study is aimed to clear whether this is correlation between risk perception,insurance awareness and crop producers' risk taking ability, and whether this is any individual bias between different groups of crop producers'. The survey is carried out in key crop planting areas in Anhui, Jiangsu and Sichuan provinces and gets 1554 questionnaire. Using correlation analysis and difference analysis, research finds out the followings:There is distinct correlation between crop producers' risk perception,insurance awareness and risk taking ability. But region,education level,farmland treatment,irrigation,sale mode of crop products are critical factors that will result in individual bias between crop producers' risk perception,insurance awareness and risk taking ability. So, the risk management policy should care about this difference and supply various kinds of financial instruments to satisfy multiple demands to improve crop producers 'insurance utilities.

关 键 词：风险认知 保险意识 个体差异 风险承担能力 

分 类 号：F830.2[经济管理—金融学]