期刊论文

Analysis of Factors Affecting Farmers'Insurance on Natural Disasters on Basis of Microscope Survey Data in Hubei Province

中文

长江流域资源与环境

1004-8227

2019

28

2

483-492

10.11870/cjlyzyyhj201902024

国家社会科学基金资助项目(13BJL053)

本校为第一机构

基于湖北省仙桃、监利、竹溪3地农户微观调查数据,分别研究5类自然灾害频率与损失度对于农户投保意愿的影响程度,建立probit模型进行实证分析。研究表明:湖北地区水灾和旱灾情况最为严重,其发生频率与损失度均对农户投保意愿产生显著的正向影响;病害和虫灾损失度对农户投保意愿具有显著的促进作用,其发生频率对农户投保意愿的作用不明显;与自然灾害发生频率相比,损失度对农户投保意愿的影响更大;农户投保意愿与实际投保行为存在明显背离之处,旱涝保收地区存在投保过度现象,灾害严重地区存在投保不足现象。根据结论提出相关政策建议:旱涝保收地区应适当削减农业保险投入;农业保险应向自然灾害严重...

On the basis of the microscopic survey data from sampling farmers in Hubei province,this paper examined the farmers'willingness on agricultural insurance to natural disasters,using the descriptive statistics and probit model. The results show that the occurrence frequency and loss degree of flood and drought stimulate farmers to insure. As for disease and insect infestation,the effect of occurrence frequency is obvious while the loss degree is not obvious. Compared with the frequency of natural disasters,the loss degree has more influence on the farmers'willingness to insure. There is a clear ...