农户对马铃薯保险服务满意度的影响因素:基于生产规模视角
|
摘要
为了解甘肃省定西市马铃薯种植户对农业保险服务的满意度及其影响因素,采用多元有序Probit模型,从生产规模视角对362个商品马铃薯种植户参加农业保险服务的满意度进行研究。结果表明:加入种植合作社、对保险公司信任的规模种植户与对保险公司信任、当地政府开展潜藏灾害预防工作的非规模种植户对马铃薯保险服务的满意程度大。提高保险公司服务质量、引导规模户加入合作社、促进地方政府开展防灾工作可能是提高农户满意度的有效途径。
In order to analyze the influence factors of potato farmers' satisfaction with insurance service in Dingxi Gansu Province,362 commercial potato farmers' satisfaction with insurance service were studied by adopting multiple order Probit model from the perspective of farm size.It was found that large farm households who joined farm cooperatives and trusted the insurance company and small farm households who trusted the insurance company and whose local government implemented prevention measures against potential disasters intended to satisfy with potato insurance service.Therefore,it might be effective to improve farmers' satisfaction with potato insurance by improving the service quality of insurance companies,guiding large farm households to join cooperatives and encouraging local governments to carry out disaster prevention measures.
In order to analyze the influence factors of potato farmers' satisfaction with insurance service in Dingxi Gansu Province,362 commercial potato farmers' satisfaction with insurance service were studied by adopting multiple order Probit model from the perspective of farm size.It was found that large farm households who joined farm cooperatives and trusted the insurance company and small farm households who trusted the insurance company and whose local government implemented prevention measures against potential disasters intended to satisfy with potato insurance service.Therefore,it might be effective to improve farmers' satisfaction with potato insurance by improving the service quality of insurance companies,guiding large farm households to join cooperatives and encouraging local governments to carry out disaster prevention measures.
引文
[1] 聂荣,沈大娟.影响农户参保农业保险决策的因素分析[J].西北农林科技大学学报:社会科学版,2017,17(1):106-115Nie R,Shen D J.Study on influencing factors of farmers’ agricultural insurance decision and production[J].Journal of Northwest A & F University:Social Science Edition,2017,17(1):106-115 (in Chinese)
[2] 郭江.定西市政策性马铃薯保险定西市政策性马铃薯保险开展情况调查[J].甘肃金融,2013(8):53-55Guo J.Investigation on the development of policy potato insurance in Dingxi City[J].Gansu Finance,2013(8):53-55 (in Chinese)
[3] 牛旭鹰.“薯都”农民薯保险的调查与思考[J].农业科技与信息,2014,11(3):54-55Niu X Y.Investigation and thinking on farmers’ potato insurance of “potato capital”[J].Agricultural Technology and Information,2014,11(3):54-55 (in Chinese)
[4] 王振军.马铃薯旱灾保险的理赔指数及保险费率研究:以陇东黄土高原区为例[J].兰州大学学报:社会科学版,2015,43(1):130-135Wang Z J,Claim index of potato drought damage insurance and premium rates:A case study based on the Loess Plateau area of eastern Gansu[J].Journal of Lanzhou University:Social Science,2015,43(1):130-135 (in Chinese)
[5] 张宗军,刘琳,吴梦杰.基于差异化费率的农业保险保费补贴机制优化:以甘肃马铃薯保险为例[J].华中农业大学学报:社会科学版,2016(4):1-8Zhang Z J,Liu L,Wu M J.Optimization of agricultural insurance premium subsidy mechanism based on differential premium rate:A case study of potato insurance in Gansu Province[J].Journal of Huazhong Agricultural University:Social Sciences Edition,2016(4):1-8 (in Chinese)
[6] 李阳,曹琼,王国星,王洛贻,张博.农户购买政策性马铃薯保险的影响因素研究:基于定西市安定区339户农户的调查[J].甘肃农业,2013(19):35-37Li Y,Cao Q,Wang G X,Wang L Y,Zhang B.Study on influencing factors of farmers’ purchasing policy potato insurance:Based on the survey of 339 households in Anding district of Dingxi City[J].Gansu Agriculture,2013(19):35-37 (in Chinese)
[7] 陈利,谢家智.农户对农业灾害赔偿满意度的测量与减灾行为研究:基于15个省524户农户的入户调查[J].农业经济问题,2013,34(3):56-63Chen L,Xie J Z.Measurement on farmer's satisfaction for agricultural disaster compensation and ecological disaster reduction behavior:Based on the household survey of 524 households in 15 provinces[J].Issues in Agricultural Economy,2013,34(3):56-63 (in Chinese)
[8] 崔小年,乔娟.养猪场户对政策性生猪保险满意度影响因素分析[J].中国畜牧杂志,2013,49(20):3-9Cui X N,Qiao J.Analysis of factors influencing on the satisfaction degree of farmers on policy pig insurance[J].Chinese Journal of Animal Science,2013,49(20):3-9 (in Chinese)
[9] 张静,范静.吉林省养殖户对生猪保险的满意度调查研究[J].黑龙江畜牧兽医,2017(22):274-277Zhang J,Fan J.Research on the satisfaction degree of farmers onpig insurance in Jilin Province[J].Heilongjiang Animal Science and Veterinary Medicine,2017(22):274-277 (in Chinese)
[10] Aitchison J,Silvey S D.The generalization of probit analysis to the case of multiple responses [J].Biometrika,1957,44:131-140
[11] 胡博,刘荣,丁维岱,段美霞.Stata统计分析与应用[M].北京:电子工业出版社,2014Hu B.Liu R,Ding W D,Duan M X.Stata Statistical Analysis and Application[M].Beijing:.Electronic Industry Press,2014 (in Chinese)
[2] 郭江.定西市政策性马铃薯保险定西市政策性马铃薯保险开展情况调查[J].甘肃金融,2013(8):53-55Guo J.Investigation on the development of policy potato insurance in Dingxi City[J].Gansu Finance,2013(8):53-55 (in Chinese)
[3] 牛旭鹰.“薯都”农民薯保险的调查与思考[J].农业科技与信息,2014,11(3):54-55Niu X Y.Investigation and thinking on farmers’ potato insurance of “potato capital”[J].Agricultural Technology and Information,2014,11(3):54-55 (in Chinese)
[4] 王振军.马铃薯旱灾保险的理赔指数及保险费率研究:以陇东黄土高原区为例[J].兰州大学学报:社会科学版,2015,43(1):130-135Wang Z J,Claim index of potato drought damage insurance and premium rates:A case study based on the Loess Plateau area of eastern Gansu[J].Journal of Lanzhou University:Social Science,2015,43(1):130-135 (in Chinese)
[5] 张宗军,刘琳,吴梦杰.基于差异化费率的农业保险保费补贴机制优化:以甘肃马铃薯保险为例[J].华中农业大学学报:社会科学版,2016(4):1-8Zhang Z J,Liu L,Wu M J.Optimization of agricultural insurance premium subsidy mechanism based on differential premium rate:A case study of potato insurance in Gansu Province[J].Journal of Huazhong Agricultural University:Social Sciences Edition,2016(4):1-8 (in Chinese)
[6] 李阳,曹琼,王国星,王洛贻,张博.农户购买政策性马铃薯保险的影响因素研究:基于定西市安定区339户农户的调查[J].甘肃农业,2013(19):35-37Li Y,Cao Q,Wang G X,Wang L Y,Zhang B.Study on influencing factors of farmers’ purchasing policy potato insurance:Based on the survey of 339 households in Anding district of Dingxi City[J].Gansu Agriculture,2013(19):35-37 (in Chinese)
[7] 陈利,谢家智.农户对农业灾害赔偿满意度的测量与减灾行为研究:基于15个省524户农户的入户调查[J].农业经济问题,2013,34(3):56-63Chen L,Xie J Z.Measurement on farmer's satisfaction for agricultural disaster compensation and ecological disaster reduction behavior:Based on the household survey of 524 households in 15 provinces[J].Issues in Agricultural Economy,2013,34(3):56-63 (in Chinese)
[8] 崔小年,乔娟.养猪场户对政策性生猪保险满意度影响因素分析[J].中国畜牧杂志,2013,49(20):3-9Cui X N,Qiao J.Analysis of factors influencing on the satisfaction degree of farmers on policy pig insurance[J].Chinese Journal of Animal Science,2013,49(20):3-9 (in Chinese)
[9] 张静,范静.吉林省养殖户对生猪保险的满意度调查研究[J].黑龙江畜牧兽医,2017(22):274-277Zhang J,Fan J.Research on the satisfaction degree of farmers onpig insurance in Jilin Province[J].Heilongjiang Animal Science and Veterinary Medicine,2017(22):274-277 (in Chinese)
[10] Aitchison J,Silvey S D.The generalization of probit analysis to the case of multiple responses [J].Biometrika,1957,44:131-140
[11] 胡博,刘荣,丁维岱,段美霞.Stata统计分析与应用[M].北京:电子工业出版社,2014Hu B.Liu R,Ding W D,Duan M X.Stata Statistical Analysis and Application[M].Beijing:.Electronic Industry Press,2014 (in Chinese)