湖南省小规模农户参加农业保险影响因素的实证分析

以湖南省的229位农民作为调查样本,通过建立二元Logistic模型,从农民个人特征、农户家庭特征、农民心理认知三个方面对小规模农户参加农业保险意愿的影响因素进行实证分析。实证结果表明:农民的年龄、农民的文化程度、家里是否有大学生、对农业保险的了解程度、参加农业保险是否有补贴都显著正向影响小规模农户参加农业保险。

Empirical Analysis on Influencing Factors of Small-scale Peasant Household Participating Agricultural Insurance in Hunan Province

Based on the investigated sample of 229 farmers in Hunan province,the study sets a binary Logistic model and makes an empirical analysis about factors that influence the small-scale peasant household’ s will to participate in agricultural insurance from the perspective of farmers individual characters, peasant families traits, and farmers psychological cognition. The result shows that small-scale peasant household’ s will to participate in agricultural insurance is positively remarkably affected by the age of farmer, edu-cation degree of farmer, existing college student in the family, realization on agricultural insurance and subsidy provided for participat-ing in the insurance.