本文選題：需求意愿 + 供給能力�。� 參考：《中國農(nóng)業(yè)大學(xué)》2014年博士論文

【摘要】：農(nóng)機保險作為一種風(fēng)險管理措施,是保證農(nóng)業(yè)生產(chǎn)順利進行,保障農(nóng)業(yè)生產(chǎn)者財產(chǎn)安全和社會穩(wěn)定的重要手段。目前,我國農(nóng)機保險處于試點時期。試點地區(qū)取得的成績,使得各級政府對農(nóng)機保險在減少農(nóng)戶風(fēng)險損失和保障安全生產(chǎn)方面發(fā)揮的重要作用日益重視。農(nóng)業(yè)部和各地方政府都提出要積極發(fā)展農(nóng)機保險,但現(xiàn)在面臨的問題是,農(nóng)機保險究竟應(yīng)該采取什么模式?是全國推廣一種模式還是根據(jù)各省實際情況采取多種模式?保險模式的缺失已成為制約農(nóng)機保險發(fā)展的基本問題,采取何種模式發(fā)展農(nóng)機保險也是各地政府部門關(guān)心的問題。因此,對農(nóng)機保險模式的研究成為迫切需要�；谶@一背景,本文在對農(nóng)機保險參與主體供給與需求意愿進行分析的基礎(chǔ)上,構(gòu)建適合我國國情的農(nóng)機保險模式。 本文首先對國內(nèi)外農(nóng)機保險現(xiàn)狀和模式進行了分析和總結(jié)。其次,建立農(nóng)戶農(nóng)機保險需求意愿Logistic回歸模型分析影響農(nóng)戶需求意愿的因素。運用CVM方法調(diào)查農(nóng)戶對農(nóng)機保險的支付意愿并測算農(nóng)戶的平均支付意愿,通過COX比例風(fēng)險模型分析農(nóng)戶支付意愿影響因素。第三,利用DEA方法研究保險公司的經(jīng)營效率,分析了保險公司供給能力,進一步測算了農(nóng)機保險供給與需求之間的差距,分析了保險公司供給不足的原因。第四,從經(jīng)濟學(xué)和管理學(xué)的角度分析農(nóng)機保險參與主體的行為,對參與主體進行博弈分析,并研究了農(nóng)機保險長期穩(wěn)定發(fā)展的主體合作條件,在此基礎(chǔ)上,提出政府在農(nóng)機保險中應(yīng)起的作用。第五,建立政府主導(dǎo)下的多元化經(jīng)營主體參與的農(nóng)機保險模式,并從組織體系、經(jīng)營主體、補貼機制三個方面對模式進行了構(gòu)建。最后,提出農(nóng)機保險模式保障措施。 本文的主要研究結(jié)論包括：(1)國外農(nóng)機保險大多屬于農(nóng)業(yè)保險范疇,各國政府在農(nóng)機保險發(fā)展中都發(fā)揮著積極作用,為農(nóng)機保險提供法律支持、保費和經(jīng)營管理費補貼。(2)我國農(nóng)機保險試點地區(qū)的模式有政府主導(dǎo)下專業(yè)保險公司經(jīng)營模式、政府扶持下商業(yè)保險公司模式和政府支持下互助保險模式,三種模式各有優(yōu)缺點,從目前的發(fā)展情況來看,政府主導(dǎo)下專業(yè)保險公司經(jīng)營模式在運行效率、運行成本和運行效果方面較好。(3)農(nóng)戶家庭收入、農(nóng)機保險重要性、農(nóng)戶受教育程度、政府的保費補貼、對外作業(yè)面積是影響農(nóng)戶需求意愿的重要因素。農(nóng)戶對農(nóng)機保險的支付意愿較低,影響支付意愿的因素主要是農(nóng)戶家庭收入、農(nóng)機事故影響程度和對農(nóng)機風(fēng)險重要性的認(rèn)知程度。(4)涉及農(nóng)機保險的保險公司經(jīng)營效率較低,農(nóng)機保險供給與需求之間存在差距,供給不足。(5)農(nóng)機保險參與主體三方合作的最優(yōu)策略是：農(nóng)戶投保農(nóng)機保險,保險公司經(jīng)營農(nóng)機保險,政府對農(nóng)機保險進行補貼。(6)我國應(yīng)采取“政府主導(dǎo)下的多元化經(jīng)營主體參與的農(nóng)機保險模式”。
[Abstract]:Agricultural machinery insurance, as a risk management measure, is an important means to ensure the smooth progress of agricultural production and ensure the safety of agricultural producers' property and social stability. At present, agricultural machinery insurance in China is in a pilot period. The achievements made in the pilot area make the governments at all levels reduce the loss of farmers' risk and guarantee the safe production side of agricultural machinery insurance. The Ministry of agriculture and the local governments have proposed to actively develop agricultural machinery insurance, but now the problem is, what model should agricultural machinery insurance take? Is it a national extension or a variety of modes according to the actual conditions of the provinces? The lack of insurance model has become a restriction on the development of agricultural machinery insurance. The basic problems of the exhibition and the mode of developing agricultural machinery insurance are also the concern of the local government departments. Therefore, the research on the agricultural machinery insurance model is an urgent need. Based on this background, this paper builds the agricultural machinery insurance model suitable for the national conditions of China on the basis of the analysis of the willingness of the participants to supply and demand the agricultural machinery insurance.
The present situation and model of agricultural machinery insurance both at home and abroad are analyzed and summarized. Secondly, the factors that affect farmers' demand will be analyzed by the Logistic regression model of farmers' agricultural machinery insurance demand intention. CVM method is used to investigate farmers' willingness to pay for agricultural machinery insurance and to calculate the average willingness of farmers to pay, through the COX proportional risk model. Analysis of the influencing factors of farmers' willingness to pay. Third, using DEA method to study the operating efficiency of insurance companies, analyze the supply capacity of insurance companies, further calculate the gap between the supply and demand of agricultural machinery insurance, and analyze the reasons for the insufficient supply of insurance companies. Fourth, analysis of the participation of agricultural machinery insurance from the perspective of economics and management. The behavior of the main body is analyzed by game, and the main cooperation conditions of the long-term stable development of agricultural machinery insurance are studied. On this basis, the role of the government in the agricultural machinery insurance is put forward. Fifth, to establish the agricultural machinery insurance model with the participation of the diversified management subject under the government led by the government, and from the organization system, the management subject and the subsidy machine. The system is constructed in three aspects. Finally, the insurance measures for agricultural insurance are put forward.
The main conclusions of this article include: (1) foreign agricultural machinery insurance mostly belongs to the category of agricultural insurance. All governments play an active role in the development of agricultural machinery insurance, provide legal support for agricultural machinery insurance, premium and management fee subsidy. (2) the model of agricultural machinery insurance pilot area in China has the government led professional insurance company under the leadership of the government. Mode, the government supports the Business insurance company model and the government supported mutual aid insurance mode. The three models have their own advantages and disadvantages. From the current development situation, the operation efficiency, operation cost and operation effect of the professional insurance company under the government led by the government are better. (3) the household income, the importance of agricultural machinery insurance, and the farmers' teaching. The degree of education, the government's premium subsidies, the external operating area is an important factor affecting farmers' demand will. Farmers' willingness to pay for agricultural machinery insurance is low. The factors that affect the willingness to pay are mainly household income, the degree of agricultural machinery accidents and the importance of the importance of agricultural machinery risk. (4) insurance companies involved in agricultural machinery insurance The operation efficiency is low, the supply and demand of agricultural machinery insurance have a gap between the supply and demand. (5) the best strategies for the three parties to cooperate with the main body of agricultural machinery insurance are: farmers insured the agricultural machinery insurance, the insurance companies operate agricultural machinery insurance, the government subsidized the agricultural machinery insurance. (6) our country should take "the farmers under the government led diversification of the main body of agriculture." Machine insurance model.
【學(xué)位授予單位】：中國農(nóng)業(yè)大學(xué)
【學(xué)位級別】：博士
【學(xué)位授予年份】：2014
【分類號】：F842.66

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本文編號：1984583