本文選題：農(nóng)業(yè)保險(xiǎn)　切入點(diǎn)：投保意愿　出處：《浙江農(nóng)林大學(xué)》2017年碩士論文

【摘要】：中國(guó)是一個(gè)對(duì)農(nóng)業(yè)有著巨大需求的發(fā)展中國(guó)家,而政策性農(nóng)業(yè)保險(xiǎn)則對(duì)整個(gè)農(nóng)業(yè)體系的穩(wěn)定發(fā)展起到了很好的保障作用。他不僅僅扮演著經(jīng)濟(jì)保障角色,更有利于國(guó)家社會(huì)政治的長(zhǎng)治久安。相當(dāng)長(zhǎng)時(shí)間來(lái),國(guó)內(nèi)外有諸多的專家對(duì)農(nóng)業(yè)保險(xiǎn)進(jìn)行了全方位研究。國(guó)內(nèi)專家主要是從農(nóng)業(yè)保險(xiǎn)投保主體、投保意愿、供給方式等微觀方面進(jìn)行分析,國(guó)外發(fā)達(dá)國(guó)家的專家更注重于農(nóng)業(yè)保險(xiǎn)體系等宏觀方面的研究。我國(guó)發(fā)展農(nóng)業(yè)保險(xiǎn)起步較晚,2004才正式?jīng)Q定開(kāi)展政策性農(nóng)業(yè)保險(xiǎn)。經(jīng)過(guò)多年的試點(diǎn),在經(jīng)濟(jì)新常態(tài)下,政策性農(nóng)業(yè)保險(xiǎn)已經(jīng)開(kāi)始發(fā)揮積極的作用,很好的保障了整個(gè)農(nóng)業(yè)經(jīng)濟(jì)的穩(wěn)定發(fā)展。但是我們的政策性農(nóng)業(yè)保險(xiǎn)與發(fā)達(dá)國(guó)家相比還存在一定的差距,仍有很多地方需要不斷學(xué)習(xí)、改進(jìn)。為了更加精確合理的了解農(nóng)業(yè)保險(xiǎn)主體的實(shí)際投保意愿需求,本文在總結(jié)歸納已有的國(guó)內(nèi)外文獻(xiàn)基礎(chǔ)上,選取海寧市范圍內(nèi)農(nóng)戶進(jìn)行實(shí)地調(diào)研走訪,以調(diào)查問(wèn)卷形式進(jìn)行記錄。調(diào)查主要涉及教育程度、農(nóng)業(yè)收入比重、了解渠道、投保經(jīng)歷、理賠經(jīng)歷、補(bǔ)貼政策等十個(gè)方面。根據(jù)調(diào)查的結(jié)果進(jìn)行數(shù)據(jù)匯總,應(yīng)用Logistics回歸分析,將投保意愿歸納為0和1兩種結(jié)果,選用強(qiáng)制納入法進(jìn)行顯著性檢驗(yàn),找出農(nóng)戶投保意愿的主要影響因素。通過(guò)研究,購(gòu)買農(nóng)業(yè)保險(xiǎn)的主要影響因素是農(nóng)戶教育程度、農(nóng)業(yè)收入占比、投保流程便利程度、政府補(bǔ)貼比例、以往賠付經(jīng)歷五個(gè)方面。最后根據(jù)調(diào)研結(jié)果從農(nóng)戶、保險(xiǎn)公司、政府三個(gè)層面提出針對(duì)性的意見(jiàn)建議。
[Abstract]:China is a developing country with great demand for agriculture, and policy-oriented agricultural insurance plays a good role in ensuring the stable development of the entire agricultural system. It is more conducive to the long-term political and social stability of the country. For quite a long time, many experts at home and abroad have carried out comprehensive studies on agricultural insurance. Domestic experts mainly come from the main body and willingness to insure agricultural insurance. The supply mode and other microscopic aspects are analyzed. Experts from developed countries abroad pay more attention to the research on macro aspects such as agricultural insurance system. In China, the development of agricultural insurance started later than in 2004. After many years of trial, under the new normal economic conditions, China formally decided to launch policy-oriented agricultural insurance. Policy agricultural insurance has begun to play a positive role in ensuring the stable development of the entire agricultural economy. However, compared with the developed countries, there is still a certain gap between our policy agricultural insurance and the developed countries. There are still a lot of places to learn and improve. In order to get a more accurate and reasonable understanding of the demand of the actual insurance intention of the main body of agricultural insurance, this paper summarizes the existing literature at home and abroad. Select the farmers in Haining City to conduct field investigation and visit, and record them in the form of questionnaire. The investigation mainly involves education, proportion of agricultural income, understanding of channels, insurance experience, claim settlement experience, According to the results of the survey, using Logistics regression analysis, the intention of insurance is divided into two kinds of results: 0 and 1, and the mandatory inclusion method is used to test the significance. Find out the main influencing factors of farmers' willingness to insure. Through research, the main influencing factors of purchasing agricultural insurance are farmers' education level, the proportion of agricultural income, the degree of convenience of insurance process, the proportion of government subsidies. In the end, according to the research results, the author puts forward some suggestions from three aspects: farmers, insurance companies and government.
【學(xué)位授予單位】：浙江農(nóng)林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F842.66;F713.55

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