粮食种植农户农业保险需求差异性分析——浙江省温岭市粮食种植农户调查
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摘要
基于浙江省温岭市粮食种植户调查数据发现,在农业保险需求上,纯农型农户的需求高于兼农型农户;在农业保险的具体险别中,纯农型农户首选产量保险,其次是收入保险,其对产量保险的需求显著高于兼农型农户。选取纯农型和兼农型两类农户对农业保险重要性认识作为因变量,将代表农户基本特征的变量作为自变量纳入回归模型进行分析,结果显示:农户采用其他方式获得灾后融资越高,对农业保险的"挤出效应"越明显;收入来源的多样化会导致农户对于农业保险需求的降低;文化教育程度越高的农户对农业保险需求越大。
Based on the survey data of grain growers in Wenling City, Zhejiang Province shows that pure peasant households' demands on agricultural insurance are higher than those of part-time peasant households. As for the specific types of agricultural insurance, pure peasant households prefer the output insurance as the first choice, and the second one is the income insurance. The paper then selected two types of households' dependence on agricultural insurance as dependent variable and found that the higher the post-disaster financing obtained by the peasant households, the more obvious the "crowding-out effect"of agricultural insurance; the diversification of income sources will lead to the decrease in the preference agricultural insurance for peasant households; the higher the education level for the farmers, the higher preferenceprobability of the agricultural insurance for the peasant households.
Based on the survey data of grain growers in Wenling City, Zhejiang Province shows that pure peasant households' demands on agricultural insurance are higher than those of part-time peasant households. As for the specific types of agricultural insurance, pure peasant households prefer the output insurance as the first choice, and the second one is the income insurance. The paper then selected two types of households' dependence on agricultural insurance as dependent variable and found that the higher the post-disaster financing obtained by the peasant households, the more obvious the "crowding-out effect"of agricultural insurance; the diversification of income sources will lead to the decrease in the preference agricultural insurance for peasant households; the higher the education level for the farmers, the higher preferenceprobability of the agricultural insurance for the peasant households.
引文
[1]胡振华,付晓晓.农业保险现状与发展对策分析——以上海为例[J].贵州大学学报,2016(4):18-25.
[2]张晓山.农业保险制度研究创新——基于福建龙岩“三农”综合保险模式的案例分析[J].河北学刊,2015,35(5):100-106.
[3]GABRIELJ P,DMITRY V V,SUNG W H.The Impact of the Average Crop Revenue Election(ACRE)Program on The Effectiveness of Crop Insurance[J].Agricultural Finance Review,2009,69(3):300-345.
[4]胡振华,吴袁萍.农民收入现状及增收对策分析——以河南省为例[J].贵州大学学报(社会科学版),2012(4):39-45.
[5]胡振华,赖国毅.“新农合”与商业医保竞合关系分析[J].经济问题,2013(2):68-74.
(1)本文聚焦浙江省温岭市,限于篇幅没有与不发达地区进行横向比较。温岭市调查中特别关注农户中的粮食种植户,他们的农业保险需求差异性是一个区域概念。
[2]张晓山.农业保险制度研究创新——基于福建龙岩“三农”综合保险模式的案例分析[J].河北学刊,2015,35(5):100-106.
[3]GABRIELJ P,DMITRY V V,SUNG W H.The Impact of the Average Crop Revenue Election(ACRE)Program on The Effectiveness of Crop Insurance[J].Agricultural Finance Review,2009,69(3):300-345.
[4]胡振华,吴袁萍.农民收入现状及增收对策分析——以河南省为例[J].贵州大学学报(社会科学版),2012(4):39-45.
[5]胡振华,赖国毅.“新农合”与商业医保竞合关系分析[J].经济问题,2013(2):68-74.
(1)本文聚焦浙江省温岭市,限于篇幅没有与不发达地区进行横向比较。温岭市调查中特别关注农户中的粮食种植户,他们的农业保险需求差异性是一个区域概念。