浙江共保体农业保险农户需求影响因素分析.doc

本科学生科研训练项目(URP)研究报告 浙江省“共保体”农业保险农户需求 影响因素分析 The Analysis of factors that affect farmers participation in co-insurance system in Zhejiang Province 项 目 申 请 人： 牛 霞 副教授 所 在 学 院： 经济管理学院 研 究 方 向： 农村金融研究 项 目 组 组 长：夏倩雯（学号：0711320115） 项 目 组 成 员：毛宇飞（学号：0711320215） 马 洁（学号：0711320515） 付 雪（学号：0711320601） 徐悦凯（学号：0712040213） 2010年月Abstract It has taken the lead in developing a state-supported insurance of agriculture in a region of high risk by government of Zhejiang Province, known as Co-Insurance system, since experimental units were carried into execution iin 2006. A survey concerning 94 people of dairy men and apple-planting farmers was conducted by the author of this paper, of which the purpose is to speculate the possible aspects that have an impact on farmers participation of agricultural insurance, which is based on the analysis of regression model of Logistic. As a result, factors like damage costs by natural disasters, the level of household income, anticipation of risk and agricultural acreage impose a significant effect on their participation in agricultural insurance. Meanwhile, proposals like increase in the coverage of Co-Insurance system, diversification in the sorts of insurance, and improvement in farmers cognizance of agricultural insurance and policies for policymakers are offered in the paper to help contribute to the well-being of state-supported insurance of agriculture in the country. Keywords: ?Co-Insurance” system; agricultural insurance; farmers’ demand for insurance; the analysis of regression model 目 录 项 目 团 队 介 绍 II 摘要 3 目 录 5 图目录 6 表目录 7 第一章 导 言 8 1.1研究背景 8 1.2研究目的 8 1.3研究意义 9 1.4文献综述 10 1.5数据来源与研究方法 12 1.6研究思路与论文框架 12 1.7技术路线 13 1.8概念界定 13 1.9研究的创新之处 14 1.10有待进一步研究的问题 15 1.11本章小结 15 第二章 浙江省“共保体”农业保险农户需求现状 16 2.1浙江省“共保体”农业保险发展情况 16 2.2 调研地区“共保体”农业保险发展情况 21 2.3 “共保体”农业保险农户需求存在的问题 27 第三章 浙江省“共保体”农业保险农户需求影响因素 30 3.1 风险因素 30 3.2 消费者的效用函数