农户农业保险需求的影响因素研究——基于湖北省五县市342户农户的调查

本研究以湖北五县市342户农户为样本,对影响农户农业保险需求的各种因素进行了系统研究。研究发现,家庭农业人口数量、农业收入占比、贷款经验、对农业风险的认知、对农业保险的了解程度、保单产量保障水平、政府信任水平和政府补贴与农业保险需求显著正相关,个人承担保费水平与农业保险需求呈负相关关系,年龄与教育因素对农业保险需求的影响不显著。

Empirical Study on Farmer's Agricultural Insurance Demand:An Investigation on 432 Farmers in Hubei Province

This article explored various factors affecting farmer's agricultural insurance demand based on the data from 432 farmers in Hubei.It is found that,the demand of agricultural insurance has been significantly positive affected by whether farmers loan from banks or credit unions,the awareness level of risk for agriculture,population engaging in agriculture in the family,the understanding of the agricultural insurance,agricultural income accounts for the proportion of total household income,yield guarantee,gov...