种植业保险需求调查分析

我国是世界上自然灾害最为频繁的国家之一。灾害种类多、频度高、分布广、损失大。2003、2004、2005年农业成灾面积占播种面积的比重分别为21.33%、10.61%、12.84%。近几年灾害造成的粮食损失每年都在400亿公斤以上,经济损失每年都在600亿元以上。种植业保险是降低种植业风险的有效手段,伴随灾害而来的巨大损失使越来越多的农民保险意愿日益强烈。在这种情势下,种植业保险却出现了日益萎缩的怪现象,陷入了"供给不足,需求有限"的困境。笔者对鄱阳湖湖区进行了实地调查分析,以求解决种植业保险的供给与需求矛盾。

The Survey on the Demand of Crop Insurance

China,is one of the countries with the most frequent natural disasters in the world featuring on large diversity,high-frequency,wide distribution.In 2003,2004,and 2005,the areas subjected to agricultural disaster area accounted for t 2l.33%,10.61%,12.84% of the total arable land.In recent years,the loss of grain caused by disasters every year is about 40 billion kg,and the economic losses every year reaches 60 billion Yuan.Crop insurance is an effective way to reduce the risk of planting,along with the incr...