农户农业保险购买意愿及影响因素研究

Study on Purchasing Intention and Influencing Factors of Farmers’ Agricultural Insurance

摘要: 农业保险在保障农民利益、促进农业可持续发展、稳定农村经济和支持农业政策实施等方面发挥着不可或缺的作用。文章基于江西省水稻种植户677户农户微观数据，构建二元Logistic-ISM模型，探究了影响农户购买农业保险的影响因素。研究表明：年龄、受教育年限、风险偏好等因素对农户购买农业保险意愿具有显著的正向影响，种田决策者种水稻年限是负向影响。ISM结构模型表明地块连片程度和年龄是影响保险购买意愿的深层次因素；受教育年限、风险偏好、农地确权等是中间层次的间接因素；最表层的直接驱动因素则是农业经营总收入。结合实证检验的结果，从宏观政策、中观区域及微观个体层面提出切实可行的政策建议。本文的研究结论为我国农业保险的发展提供科学的理论指导及实践经验，推动江西省农户积极购买农业保险。

Abstract: Agricultural insurance plays an indispensable role in protecting the interests of farmers, promoting the sustainable development of agriculture, stabilizing rural economy and supporting the implementation of agricultural policies. Based on the micro-data of 677 rice farmers in Jiangxi Province, the paper constructs a binary Logistic-ISM model and explores the influencing factors of farmers’ purchase of agricultural insurance. The results show that the factors such as age, years of education and risk preference have a significant positive impact on farmers’ willingness to buy agricultural insurance, while the years of rice planting for decision makers have a negative impact. ISM structural model shows that the degree of land contiguity and age are the deep factors affecting insurance purchase intention. Years of education, risk preference and land ownership are indirect factors in the middle level. At the top, the direct driver is total income from agricultural operations. Combined with the results of empirical test, practical policy suggestions are put forward from the macro policy, the middle region and the micro individual level. The conclusion of this paper provides scientific theoretical guidance and practical experience for the development of agricultural insurance in China, and promotes the active purchase of agricultural insurance by farmers in Jiangxi Province.