新疆棉农农业保险购买意愿与行为差异分析
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摘要
农业保险的意愿和行为分别反映农户的潜在需求与有效需求,影响农户意愿与行为的因素或有不同,因此,农户意愿与行为可能存在差异。基于对玛纳斯、精河和沙湾三个棉花主产县棉农的问卷调查,对新疆棉农参与农业保险意愿和行为的差异及其影响因素进行了分析。结果表明,新疆棉农参与农业保险意愿低于实际参与率,影响其意愿与行为的因素既有共性又存在差异。同时,棉农对于能够同时覆盖自然风险及市场风险的农业保险产品存在潜在需求。研究认为,在推进棉花保险进程中,要重视棉农参保意愿对农业保险供给的影响,针对不同类型农户开发适销对路的农业保险产品。
Willingness and behavior of agricultural insurance participators reflect the potential and effective demands of farmers. Hence,the willingness and behavior of farmers are inconsistent,since the influencing factors of farmers' willingness and behavior may be different. Based on the field survey in 3 major cotton production counties,this paper analyzes the difference and the influencing factors of cotton growers' willingness and behavior. The results show that cotton growers' willingness is lower than the actual participation. And the influencing factors of cotton growers' willingness and behavior to participate in agricultural insurance in Xinjiang have both similarities and differences. The results also show that cotton growers have a potential demand for agricultural insurance products that can cover both natural risks and market risks. Therefore,cotton growers' willingness of insurance demand should be highly valued and readily marketable insurance products should be developed.
Willingness and behavior of agricultural insurance participators reflect the potential and effective demands of farmers. Hence,the willingness and behavior of farmers are inconsistent,since the influencing factors of farmers' willingness and behavior may be different. Based on the field survey in 3 major cotton production counties,this paper analyzes the difference and the influencing factors of cotton growers' willingness and behavior. The results show that cotton growers' willingness is lower than the actual participation. And the influencing factors of cotton growers' willingness and behavior to participate in agricultural insurance in Xinjiang have both similarities and differences. The results also show that cotton growers have a potential demand for agricultural insurance products that can cover both natural risks and market risks. Therefore,cotton growers' willingness of insurance demand should be highly valued and readily marketable insurance products should be developed.
引文
[1]王磊焱,徐向勇,孙莉萍.改进创新新疆棉花保险产品研究[J].金融发展评论,2016(4):57-79.
[2]李晓波.农险为新疆农牧业撑起“保护伞”[N].中国保险报,2014-09-10(005).
[3]MARIELLE B,LAURE C,STéPHANE C,et al.The impact of governmental assistance on insurance demand under ambiguity:Atheoretical model and an experimental test[J].Theory and Decision,2013,75(2):153-174.
[4]PAUL A R,REIMUND S,MANIJEH S,et al.Uncertainty of governmental relief and the crowding out of flood insurance[J].Environmental and Resource Cconomics,2013,54(2):179-200.
[5]张伟,郭颂平,罗向明.风险演变、收入调整与不同地理区域农业保险的差异化需求[J].保险研究,2013(10):32-41.
[6]宋丽智,韩晓生,王研.我国农业保险发展影响因素研究[J].宏观经济研究,2016(11):122-130.
[7]姜岩,李扬.政府补贴、风险管理与农业保险参保行为---基于江苏省农户调查数据的实证分析[J].农业技术经济,2012(10):65-72.
[8]谷政,卢亚娟,张维,等.基于险种和承保水平视角的农业保险需求分析[J].保险研究,2012(11):75-81.
[9]宁满秀,邢郦,钟甫宁.影响农户购买农业保险决策因素的实证分析---以新疆玛纳斯河流域为例[J].农业经济问题,2005(6):38-44.
[10]宁满秀,苗齐,邢鹂,等.农户对农业保险支付意愿的实证分析---以新疆玛纳斯河流域为例[J].中国农村经济,2006(6):43-51.
[11]马洁,付雪,杨汭华.如何将农作物保险的潜在需求转变为有效需求---基于吉林省农户的调查分析[J].调研世界,2012(12):38-42.
[12]WANG Q S.The farmers behavior in agricultural insurance under the von neuman-morgenstern utility model[J].Agriculture and Agricultural Science Procedia,2010,43(1):226-229.
[2]李晓波.农险为新疆农牧业撑起“保护伞”[N].中国保险报,2014-09-10(005).
[3]MARIELLE B,LAURE C,STéPHANE C,et al.The impact of governmental assistance on insurance demand under ambiguity:Atheoretical model and an experimental test[J].Theory and Decision,2013,75(2):153-174.
[4]PAUL A R,REIMUND S,MANIJEH S,et al.Uncertainty of governmental relief and the crowding out of flood insurance[J].Environmental and Resource Cconomics,2013,54(2):179-200.
[5]张伟,郭颂平,罗向明.风险演变、收入调整与不同地理区域农业保险的差异化需求[J].保险研究,2013(10):32-41.
[6]宋丽智,韩晓生,王研.我国农业保险发展影响因素研究[J].宏观经济研究,2016(11):122-130.
[7]姜岩,李扬.政府补贴、风险管理与农业保险参保行为---基于江苏省农户调查数据的实证分析[J].农业技术经济,2012(10):65-72.
[8]谷政,卢亚娟,张维,等.基于险种和承保水平视角的农业保险需求分析[J].保险研究,2012(11):75-81.
[9]宁满秀,邢郦,钟甫宁.影响农户购买农业保险决策因素的实证分析---以新疆玛纳斯河流域为例[J].农业经济问题,2005(6):38-44.
[10]宁满秀,苗齐,邢鹂,等.农户对农业保险支付意愿的实证分析---以新疆玛纳斯河流域为例[J].中国农村经济,2006(6):43-51.
[11]马洁,付雪,杨汭华.如何将农作物保险的潜在需求转变为有效需求---基于吉林省农户的调查分析[J].调研世界,2012(12):38-42.
[12]WANG Q S.The farmers behavior in agricultural insurance under the von neuman-morgenstern utility model[J].Agriculture and Agricultural Science Procedia,2010,43(1):226-229.