政策性农业保险试点地区农户参保行为的影响因素研究——以陕西省洛川县苹果保险为例.pdfVIP

安徽农业科学，Journal of Anhui Agri. 玩i. 2011 ,39 (1 8) : 11250 -11253 责任编辅马卫鹏责任枝对卢瑶 政策性农业保险试点地区农户参保行为的影晌因素研究 一一以陕西省洛川县苹果保险为例 李晓乔 (西北农林科技大学经济管理学院，陕西杨凌712则 摘要 以陕西省洛川县为研究对象，依据问卷调查数据，选取家庭特征、农业生产风险、农户的风险态度和参保交易成本等指标，运用 l.ogistic 回归模型，对农户参保行为的影响因素进行分析与评价。结果表明，政府较保险公司对农户的参保行为影响更大;农业保险的 保费并不构成农民参保的障碍:政府与保险公司的关系处理不当在很大程度上会影响当地农业保险的发展。为了促进农户参保，提出 了相应的对策:一是增加农村教育投资，提高农民文化程度;二是政府利用其行政职能加大农业保险知识宣传力度;二是合理规划!吹府 与保险公司之间的权利与义务;四是积极鼓励引导农户进行苹果的规模化生产，促进并形成规模经济。 关键词 农业保险;参保行为:风险态度;交易成本 中图分类号 F323.89 文献标识码 A 文章编每臼17 -6611 (2011) 18 -11万。 -04 Factors that Affect Fanne町， Behaviors 佣 Participati吨Imurance io 伽阴阳Area of Policy-伽iented Agricultural Imurance一-A case of insurance on apple in Luochuan County , Shaar回Province LI Xiao-qiao (Northwest Agriculture and Fores町 University ， Yangling ,Shannxi 7121∞) Abstract Taking Luochuan County of Shaanxi Province as an example ,the factors that afIect fanners behavioI1! on participating illl!urance iø 缸咀lyzed and evaluated 配cordingωthe questionnaires and by 回lecting the indexes covering household features , agricultural production risks , the attitudes of rural householdsωwards risks and 由e tran皿ction cost of 阳rticipating insurance and by 国ing l.ogistic regr四sion model. The results show 由atcom阳ring with insurance compa町， the government h幽Iarger influence on farme目， behaviors on 阳rtici阳ting insurance; 由e premium of a伊cultural ins町ance d回s not obstruct farmer鸣阳rticipation in insurance; the bsd - handled relations between the government and insurance com阳ny have bad effec恼。n the development of local a伊cultural insurance. In order to promote fannersω 阳rtici阳.te in agrÍcultural ins阻四饵， the relevant countenne嗣盯回 are put forward:自由tly ， increasing the investment on rural education and improving cultural level of farmer町回cond­ ly , intensifying 出.e promotion on agricultural insurance; thirdly , rea回nably planning the duties 四d rights