本文選題：農(nóng)業(yè)保險 + 風(fēng)險意識　； 參考：《農(nóng)村經(jīng)濟(jì)》2013年09期

【摘要】：近年,我國農(nóng)業(yè)保險發(fā)展取得了較大進(jìn)展,但面臨的問題也日益突出,尤其是在政府提供保費(fèi)補(bǔ)貼的前提下,農(nóng)戶的有效保險需求依然不足。通過對河北省政策性農(nóng)業(yè)保險的調(diào)研分析,研究農(nóng)戶的風(fēng)險意識、保險認(rèn)知與農(nóng)業(yè)保險覆蓋率的關(guān)系,發(fā)現(xiàn)政府提供保費(fèi)補(bǔ)貼已不是農(nóng)戶購買農(nóng)業(yè)保險的最主要動因,提高農(nóng)業(yè)保險覆蓋率,關(guān)鍵在于農(nóng)戶對農(nóng)業(yè)保險形成正確的認(rèn)知及保險公司能夠提供符合農(nóng)戶風(fēng)險規(guī)避需求的保險產(chǎn)品。
[Abstract]:In recent years, great progress has been made in the development of agricultural insurance in China, but the problems are increasingly prominent, especially in the premise of premium subsidies provided by the government, farmers' demand for effective insurance is still insufficient. Based on the investigation and analysis of policy agricultural insurance in Hebei Province, this paper studies the risk consciousness of farmers, the relationship between insurance cognition and agricultural insurance coverage, and finds that the premium subsidy provided by the government is not the main motivation for farmers to purchase agricultural insurance. To improve the coverage of agricultural insurance, the key lies in the farmers' correct understanding of agricultural insurance and the ability of insurance companies to provide insurance products that meet the needs of farmers' risk aversion.
【作者單位】： 河北經(jīng)貿(mào)大學(xué)金融學(xué)院;石家莊經(jīng)濟(jì)學(xué)院;
【基金】：國家社科基金項(xiàng)目“我國政策性農(nóng)業(yè)保險覆蓋率問題研究”(編號:12BJY166)的階段性研究成果
【分類號】：F842.6

【參考文獻(xiàn)】

相關(guān)期刊論文 前7條

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