昌吉州农户政策性农业保险投保意愿分析  

On Changji Farmers' Attitudes towards Policy-oriented Agricultural Insurance

作　　者：杨新顺[1] 林新 YANG Xin-shun;LIN Xin(Xinjiang University of Finance ＆ Economics, Urumqi, Xinjiang, 830012, China)

机构地区：[1]新疆财经大学,新疆乌鲁木齐830012

出　　处：《武汉商学院学报》2018年第2期71-74,共4页Journal of Wuhan Business University

基　　金：新疆财经大学研究生科研基金项目<碳金融视角下昌吉农村‘信贷+保险’协调发展调查研究>(项目编号:XJUFE2017D006)

摘　　要：农业作为高风险弱质产业,其主要风险为非系统性风险。昌吉州是新疆种植业和养殖业主产区之一,防范农业风险对于整个地区经济来说至关重要。本文基于对昌吉州农户的调研,通过对昌吉回族自治州的农业保险发展现状入手,分析了农户农保投保存在过度依赖政府、理赔审批手续繁杂以及政策性农保险种偏少等问题;再者,简要分析了昌吉农户农业保险投保意愿影响因素,最后给出提高昌吉农户农保投保意愿的相关建议,以期早日实现昌吉地区农户农业保险的全覆盖目标,提高地区农户应对风险的能力,促进昌吉州农业良性发展。As a fundamentally fragile industry with high risks, agriculture is mainly faced with non-systematic risk. Changji Autonomous Prefecture of Hui ethnics is one of the main production area of both crop planting and livestock breeding, so risk prevention is critical to the area. The paper makes a survey of the attitudes of farmers in Changji Prefecture towards agriculture insurance. The study firstly introduces current situation of agriculture insurance in Changji, and then puts forth the following problems： farmers＇ excessive reliance on the local government in insurance purchase, too complex procedures of settling claims, very limited types of policy-based agricultural insurance. Next, the paper studies the influencing factors of the local farmers＇ inclination to buy an agriculture insurance. Lastly, it offers some suggestions to improve the farmers＇ inclination towards insurance purchase in order to help agricultural insurance cover all the people in the area so that the risk can be properly prevented and agriculture in Changji develops better.

关 键 词：昌吉州 农业保险 投保意愿 影响因素 

分 类 号：F842.66[经济管理—保险]