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农业保险需求问题的一个理论研究及实证分析
引用本文:张跃华,史清华,顾海英.农业保险需求问题的一个理论研究及实证分析[J].数量经济技术经济研究,2007,24(4):65-75,102.
作者姓名:张跃华  史清华  顾海英
作者单位:1. 浙江大学公共管理学院
2. 上海交通大学管理学院
基金项目:国家自然科学基金;中国博士后科学基金;教育部人文社会科学研究项目
摘    要:本文对农业保险的需求从三个层面进行了经济分析,并运用田野调查的方法进行了实证研究。发现中国农业保险需求不旺盛的原因,主要源于农业自然风险在影响农户正常生活的各种因素中并不显著等因素。因而,在农村开展商业性农业保险的时机并不成熟。但是,在规模较大的自然灾害风险条件下,农业保险可以补充农民利用传统风险分散的能力,有助于迅速恢复再生产,因此,政策性农业保险在农业生产过程中,能够起到一定的作用。

关 键 词:农业保险  需求

A Theoretical and Positive Study on the Demand of Crop Insurance
Zhang Yuehua.A Theoretical and Positive Study on the Demand of Crop Insurance[J].The Journal of Quantitative & Technical Economics,2007,24(4):65-75,102.
Authors:Zhang Yuehua
Abstract:The paper analyses the three laspects of the demand of crop insurance and applies the field investigation to carry through the positive research. The research indicates that the reason of insufficientcy of Chinas Crop insurance results from the inapparent of the agriculture natural risk that has influence on the factors of normal life of the farmers. Therefore, the developing opportunity of the commercial crop insurance in the country is not mature yet. But under the condition of the large scale of the natural agriculture risk, the crop insurance can compensate farmers with the capability of distributing the risk traditionally, which can help them resume their production as quickly as possible. Therefore, the policy crop insurance plays an important role during the agriculture production process.
Keywords:Crop Insurance  Demand
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