本文選題：天氣指數(shù)保險(xiǎn) + 需求的影響因素�。� 參考：《東北農(nóng)業(yè)大學(xué)》2016年碩士論文

【摘要】：近年來(lái),天氣指數(shù)保險(xiǎn)作為創(chuàng)新型農(nóng)業(yè)保險(xiǎn)得到了我國(guó)的高度重視。2013年3月1日起實(shí)施的《農(nóng)業(yè)保險(xiǎn)條例》中提到,國(guó)家支持發(fā)展多種形式農(nóng)業(yè)保險(xiǎn),健全政策性農(nóng)業(yè)保險(xiǎn)制度。同時(shí),要求各相關(guān)部門(mén)建立農(nóng)業(yè)保險(xiǎn)相關(guān)信息共享機(jī)制。這在一定程度上為天氣指數(shù)保險(xiǎn)的設(shè)計(jì)開(kāi)放了信息共享機(jī)制和資源獲取途徑。天氣指數(shù)保險(xiǎn)具有數(shù)據(jù)來(lái)源客觀,保險(xiǎn)合約透明等特點(diǎn),能夠有效解決傳統(tǒng)農(nóng)業(yè)保險(xiǎn)存在的道德風(fēng)險(xiǎn)與逆向選擇的問(wèn)題,因此引起了社會(huì)各界的廣泛關(guān)注,越來(lái)越多的國(guó)家和地區(qū)開(kāi)始開(kāi)發(fā)天氣指數(shù)保險(xiǎn)。需求是天氣指數(shù)保險(xiǎn)發(fā)展的根本性問(wèn)題,天氣指數(shù)保險(xiǎn)的產(chǎn)品設(shè)計(jì)必須反映出農(nóng)民的期待。天氣指數(shù)保險(xiǎn)能否在我國(guó)順利開(kāi)展,弄清楚農(nóng)戶的需求是前提,因此,探索影響天氣指數(shù)保險(xiǎn)需求的一系列因素是具有現(xiàn)實(shí)意義的。在我國(guó)天氣指數(shù)保險(xiǎn)需求的情況還缺乏系統(tǒng)性的研究,因此,本文以需求理論為指導(dǎo),運(yùn)用對(duì)比分析、定性分析、定量分析等方法,以黑龍江省實(shí)地調(diào)研數(shù)據(jù)為依據(jù),對(duì)天氣指數(shù)保險(xiǎn)需求的影響因素進(jìn)行實(shí)證研究。本文首先介紹了天氣指數(shù)保險(xiǎn)的內(nèi)容及相關(guān)的研究理論基礎(chǔ)。其次,詳細(xì)分析了我國(guó)天氣指數(shù)保險(xiǎn)試點(diǎn)情況——安徽水稻種植天氣指數(shù)保險(xiǎn)。再次,以需求為視角分析了天氣指數(shù)保險(xiǎn)在我國(guó)發(fā)展的適用性。第四,針對(duì)農(nóng)戶需求特點(diǎn)設(shè)計(jì)調(diào)查問(wèn)卷,收集到黑龍江省5縣700個(gè)農(nóng)戶的實(shí)地調(diào)研數(shù)據(jù),運(yùn)用logistic回歸模型,分析影響農(nóng)戶天氣指數(shù)保險(xiǎn)需求的因素。結(jié)果表明,耕地面積、災(zāi)害年間作物減產(chǎn)程度、天氣事件與作物產(chǎn)量之間的相關(guān)性、農(nóng)戶對(duì)保險(xiǎn)公司信任度、農(nóng)戶對(duì)保險(xiǎn)產(chǎn)品價(jià)格補(bǔ)貼的需求度與天氣指數(shù)的需求呈正相關(guān),生產(chǎn)中遭受的風(fēng)險(xiǎn)種類與天氣指數(shù)保險(xiǎn)的需求呈負(fù)相關(guān)。最后,根據(jù)以上分析,分別針對(duì)保險(xiǎn)公司和政府提出相關(guān)對(duì)策建議:保險(xiǎn)公司方面,一是正確引導(dǎo)農(nóng)戶認(rèn)知,提升農(nóng)戶信任度;二是提高產(chǎn)品設(shè)計(jì)的科學(xué)性,設(shè)計(jì)多風(fēng)險(xiǎn)天氣指數(shù)保險(xiǎn)產(chǎn)品;三是科學(xué)設(shè)計(jì)天氣指數(shù)保險(xiǎn)產(chǎn)品,與傳統(tǒng)農(nóng)業(yè)保險(xiǎn)形成互補(bǔ);四是提高防災(zāi)防損技術(shù)服務(wù),保障農(nóng)業(yè)生產(chǎn)。政府政策方面,一是積極培育農(nóng)戶參與機(jī)制,發(fā)揮農(nóng)戶的參保主體作用;二是將天氣指數(shù)保險(xiǎn)納入政策性農(nóng)業(yè)保險(xiǎn)范疇,提高農(nóng)戶購(gòu)買(mǎi)率;三是提高農(nóng)業(yè)組織化程度,有效發(fā)揮天氣指數(shù)保險(xiǎn)保障效率。本文利用黑龍江省實(shí)地調(diào)研數(shù)據(jù),探究天氣指數(shù)保險(xiǎn)需求的諸多影響因素,深入了解農(nóng)戶的現(xiàn)實(shí)需要,為保險(xiǎn)條款的制定提供準(zhǔn)確依據(jù),在天氣指數(shù)保險(xiǎn)產(chǎn)品設(shè)計(jì)過(guò)程中能夠更多地考慮農(nóng)戶的需求因素,為保險(xiǎn)合同中的指數(shù)評(píng)估、保費(fèi)設(shè)定等關(guān)鍵條款的制定提供了一定的借鑒作用。
[Abstract]:In recent years, China attaches great importance to weather index insurance as an innovative agricultural insurance. The regulations on Agricultural Insurance, which came into effect on March 1, 2013, mentioned that the state supports the development of various forms of agricultural insurance. Improve the policy-oriented agricultural insurance system. At the same time, the relevant departments are required to establish agricultural insurance related information sharing mechanism. To some extent, it opens up the information sharing mechanism and access to resources for the design of weather index insurance. Weather index insurance has the characteristics of objective data source and transparent insurance contract, which can effectively solve the problems of moral hazard and adverse selection existing in traditional agricultural insurance. More and more countries and regions begin to develop weather index insurance. Demand is a fundamental problem in the development of weather index insurance, and the product design of weather index insurance must reflect farmers' expectations. Whether weather index insurance can be carried out smoothly in our country, it is a prerequisite to find out the demand of farmers. Therefore, it is of practical significance to explore a series of factors that affect the demand of weather index insurance. There is no systematic research on the demand for weather index insurance in China. Therefore, this paper, guided by the demand theory, uses the methods of comparative analysis, qualitative analysis, quantitative analysis and so on, based on the field investigation data of Heilongjiang Province. This paper makes an empirical study on the influencing factors of weather index insurance demand. This paper first introduces the content of weather index insurance and the related theoretical basis. Secondly, the weather index insurance in Anhui Province is analyzed in detail. Thirdly, the applicability of weather index insurance in China is analyzed from the point of view of demand. Fourthly, according to the characteristics of farmers' demand, the questionnaire is designed, and the data of 700 farmers in 5 counties of Heilongjiang Province are collected. The factors influencing the demand of farmers' weather index insurance are analyzed by using logistic regression model. The results showed that there was a positive correlation between the area of cultivated land, the degree of crop reduction during disasters, the correlation between weather events and crop yield, the degree of farmers' trust in insurance companies, the demand for price subsidies for insurance products, and the demand for weather index. The types of risks suffered in production are negatively correlated with the demand for weather index insurance. Finally, according to the above analysis, the author puts forward some countermeasures and suggestions for the insurance companies and the government: first, to correctly guide farmers' cognition and enhance their trust; second, to improve the scientific nature of product design. Design multi-risk weather index insurance products; third, scientifically design weather index insurance products to complement the traditional agricultural insurance; fourth, improve disaster prevention and loss prevention technology services to ensure agricultural production. In terms of government policies, one is to actively cultivate the mechanism of farmers' participation and play the main role of farmers' participation in the insurance; the other is to bring weather index insurance into the category of policy-oriented agricultural insurance to increase the purchasing rate of farmers; and third, to improve the degree of agricultural organization. Give full play to the efficiency of weather index insurance. Based on the field investigation data of Heilongjiang Province, this paper explores many factors affecting the demand of weather index insurance, deeply understand the actual needs of farmers, and provide an accurate basis for the formulation of insurance clauses. In the process of designing weather index insurance products, more factors of farmers' demand can be taken into account, which provides a reference for the formulation of key clauses such as index evaluation and premium setting in insurance contracts.
【學(xué)位授予單位】：東北農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：F842.66
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本文編號(hào)：1782309