| 我国农业保险需求的相关因素分析 |
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| 引用本文： | 刘冬姣,张旭升.我国农业保险需求的相关因素分析[J].江西财经大学学报,2011(5). |
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| 作者姓名： | 刘冬姣 张旭升 |
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| 作者单位： | 中南财经政法大学,湖北武汉,430000 |
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| 摘 要： | 如何刺激有效需求是农业保险发展中必须面对的一个重要问题。基于国家开展财政补贴前后全国19个省、直辖市、自治区9个年度的农业保险数据实证分析证明,农业保险需求与自然灾害风险损失程度、农户的文化程度等因素基本无关。而农险保费补贴对农险需求有显著影响。农户的人均收入在无补贴的情况下和农险需求关联度不大,在有保费补贴的情况下,显著相关。建议开展农业保险时险种设置多样化,加大农业保险财政补贴,提高农户的保险意识。
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| 关 键 词： | 农业保险 保险需求 保费补贴 财政补贴 |
An Analysis of the Relevant Factors of China's Agricultural Insurance Demand |
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| LIU Dong-jiao,ZHANG Xu-sheng.An Analysis of the Relevant Factors of China's Agricultural Insurance Demand[J].Journal of Jiangxi University of Finance and Economics,2011(5). |
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| Authors: | LIU Dong-jiao ZHANG Xu-sheng |
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| Institution: | LIU Dong-jiao,ZHANG Xu-sheng(Zhongnan University of Economics and Law,Wuhan 430000,China) |
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| Abstract: | How to stimulate effective demands is an important problem that the development of agricultural insurance must face.This empirical analysis is based on 19 provinces' agricultural insurance data in nine years before and after the financial subsidy was carried out by the state.This research shows that there is no relevance between agricultural insurance demand and the loss degree of natural disaster risk or farmers' cultural level.The premium subsidy for agricultural insurance has a significant effect on agri... |
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| Keywords: | agricultural insurance insurance demand premium subsidy financial subsidies |
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