农户对农机保险的认知、需求与参保意愿研究-中国农学通报.PDF

中国农学通报 2013,29(23): 103-106 Chinese Agricultural Science Bulletin 农户对农机保险的认知、需求与参保意愿研究 ——基于江苏省的实证分析 曹 蕾，曹光乔 （农业部南京农业机械化研究所，南京210014 ） 摘 要：通过对江苏地区的实地调研，运用统计分析、单因素方差分析等方法研究得出：(1)农机事故发生 后，农户不仅需要第三者责任险种，更需要农机驾驶操作人员人身保险；(2) 目前农机保险的覆盖率较 低，农户对农机保险政策的认知程度较低；(3)农户对农机保险政策的认知会对参保意愿产生显著影 响。因此，为提高参保率，相关部门应采取3 个方面的措施：(1)加强农机保险宣传，扩大影响；(2)积极争 取国家财政扶持，降低费用；(3)允许保险形式多样化，促进发展。 关键词：农机保险；保险需求；认知；参保意愿 中图分类号：F84/F32 文献标志码：A 论文编号：2013-0111 Cognition, Demand and Participating Willingness of Farmers on Agricultural Machinery Insurance Research based on Jiangsu Province Cao Lei, Cao Guangqiao (NanjingResearchInstituteforAgriculturalMechanizationMinistryofAgriculture, Nanjing 210014) Abstract: We collect dates by doing questionnaire research in Jiangsu Province. We analyzed statistically and tested by one-way analysis of variance. Finally, we got some conclusions: ( 1)After an agricultural machinery accident, the farmers not just need third-party liability insurance, they also need personal injury insurance for drivers; (2)At present, coverage of agricultural machinery insurance was very low, and most famers were lack of cognition about agricultural machinery insurance policy; (3)Famer ’s cognition will significantly affect their wish to buy the insurance. So, in order to improve insured proportion, some department should take the following measures: ( 1)Strengthen publicity about agricultural machinery insurance, to expand its influence; (2) Seek financial support, to reduce costs; (3)Allow various forms, to promote its development. Key words: agricultural machinery insurance; desire for insurance; cognition; partic