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首页> 外文会议>2009 International Institute of Applied Statistics Studies(2009 国际应用统计学术研讨会）论文集 >A Research on Demand of Agricultural Insurance: Evidence from Hubei Province China
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A Research on Demand of Agricultural Insurance: Evidence from Hubei Province China

机译：农业保险需求研究：来自湖北省的证据

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The efficiency of government subsidy for promoting agricultural insurance program has long been discussed. A fundamental issue to this problem is about the farmers’ demand of agricultural insurance. What is the most-worried problem in a farmer’s life? Do they really need agricultural insurance? If yes, how much are they willing to pay; if not, what are the reasons? What are the main factors that affect the participation decisions of the farmers? Our research use survey data from 501 households in Hubei province, China to analyze the demand of agicultural insurance and answer the above questions. There are four main conclusions in this paper. First, farmeres worried about farming-related natural disaster more than any other risks though many of them do not know how to deal with the natural disaster risk. Second, 82.65% of the farmers think they do need agricultural insurance, the reasons why the other do not need mainly include enough off-farm income, superior geological position or low input. Most of the farmers who have already purchased agricultural insurance intend to continue their contract. 64.5% of those who have not participated hope to have a try. Those who do not participated mainly consider about reliability of the insurance company or their own financial status. Third, perception of risk, knowledge about agricultural insurance and the percentage of the farm income in total income are the most significant factors that influnce farmers’ participation decision. Education level of the respondents also plays a role. Fourth, the WTP of agricultural insurance is closely related to the main sustenance of the farmers and has a positive relation with the total family net income.
机译：长期以来，政府对促进农业保险计划的补贴效率进行了讨论。这个问题的根本问题是农民对农业保险的需求。农民生活中最担心的问题是什么？他们真的需要农业保险吗？如果是，他们愿意支付多少；若否，原因为何？影响农民参与决策的主要因素是什么？我们的研究使用来自中国湖北省501户家庭的调查数据来分析农业保险的需求并回答上述问题。本文有四个主要结论。首先，尽管许多农民不知道如何应对自然灾害风险，但农民比任何其他风险都更担心与农业有关的自然灾害。其次，有82.65％的农民认为他们确实需要农业保险，而其他农民则不需要农业保险的原因主要包括足够的非农收入，优越的地理位置或较低的投入。大多数已经购买了农业保险的农民打算继续他们的合同。没有参加的人中有64.5％希望尝试一下。不参加的人主要考虑保险公司的可靠性或他们自己的财务状况。第三，对风险的理解，对农业保险的了解以及农场收入占总收入的百分比是影响农民参与决策的最重要因素。受访者的教育水平也起着作用。第四，农业保险的支付意愿与农民的基本生活息息相关，与家庭总净收入成正比。

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