From the factors affecting farmers' insured wishes for micro-insurance in Shaanxi Province, this paper conducted questionnaire, established Logit model and analyzed the main influencing factors. The results showed that, Shaanxi farmer's age, education level, cognitive level for insurance and risk profile in recent years had significant effect on the insured wishes of farmers, in which the age and education level had a negative correlation with the insured wishes and other factors had a positive correlation.%从影响陕西省农民参加小额保险影响因素出发，进行问卷调查，建立Logit模型，分析影响陕西省农民参保意愿的主要因素。研究结果表明，陕西农民的年龄、接受教育程度的高低、对于保险的认知水平和近三年风险状况等因素对农民的参保意愿影响显著，其中年龄和接受教育的程度的影响为负相关，其他影响因素为正相关。
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