第三课 农户保险需求影响因素实证分析.pdfVIP

农户保险需求影响因素实证分析* ——以贵州铜仁地区为例 1 2 张群 何广文 1. 博士、中国农业大学农村金融与投资研究中心研究员,100193 北京 2. 中国农业大学经济管理学院金融系主任、教授、博士生导师、农村金融与投资研究中心 主任 100193 载《中国农业经济评论》2006 （2 ）P167-176 内容提要：本文就 2005 年对贵州铜仁地区展开的农户金融行为研究调查问卷，运用 Probit 模型分别对包含强制性约束的广义农户保险需求以及自主条件下农户保险需求的影 响因素进行了探讨，研究发现：1.包含强制性约束的广义农户保险需求以及自主条件下农户 保险需求是有差异的，而代表了农户自主支付意愿的保险需求信息对保险公司而言才是有价 值的信息。2.两个模型在家庭财富变量的作用方向以及数量大小方面有较强的相似；3.户主 年龄以及家庭规模在广义农户保险需求模型中作用方向为负，而在自主条件下为正；家庭收 入来源的多样化在广义农户保险需求模型中作用方向为正，而在自主条件下为负；家庭劳动 力负担率、教育程度、土地规模影响广义农户保险需求，而不影响自主条件下的农户需求。 关键词： 包含强制性约束的广义农户保险需求 自主条件下农户保险需求 Based on the survey of farmer household financial behaviors in Tongren, Guizhou Province in 2005, this paper studied the influencing factors of generalized farmer household insurance demand including compulsory restraints and farmer household insurance demand under independent condition respectively using Probit model. We found that firstly, there are differences between generalized farmer household insurance demand including compulsory restraints and farmer household insurance demand under independent condition. Therefore, the insurance demand information on behalf of farmer household independent payment willness was valuable for insurance company. Secondly, the effect of the two models had almost the same effect on household wealth variable whatever the direction and the quantity. Thirdly, householder ’s age and household scale had a negative effect under generalized farmer household insurance demand including compulsory restraints model, but positive under independent condition; diversification of household income sources has a positive effect under generalized farmer household insurance demand * 2005 年6-12 月，何广文教授主持了亚洲开发银行中国农村金融改革技术援助