新疆棉农农业保险购买意愿与行为差异分析

doi:10.13766/j.bhsk.1008-2204.2016.0461

北京航空航天大学学报（社会科学版） ›› 2019, Vol. 32 ›› Issue (3): 87-92,123.DOI: 10.13766/j.bhsk.1008-2204.2016.0461

新疆棉农农业保险购买意愿与行为差异分析

晁娜娜, 杨汭华

中国农业大学经济管理学院, 北京 100083

收稿日期:2016-12-29 出版日期:2019-05-25 发布日期:2019-06-03
作者简介:晁娜娜(1989-),女,山西侯马人,博士研究生,研究方向为农业经济理论与政策,农业保险.
基金资助:
农业部软科学项目（201608-2）

Difference Analysis on Cotton Growers' Willingness and Behavior of Agricultural Insurance Participation in Xinjiang

CHAO Nana, YANG Ruihua

College of Economics and Management, China Agricultural University, Beijing 100083, China

Received:2016-12-29 Online:2019-05-25 Published:2019-06-03

摘要/Abstract

摘要：

农业保险的意愿和行为分别反映农户的潜在需求与有效需求，影响农户意愿与行为的因素或有不同，因此，农户意愿与行为可能存在差异。基于对玛纳斯、精河和沙湾三个棉花主产县棉农的问卷调查，对新疆棉农参与农业保险意愿和行为的差异及其影响因素进行了分析。结果表明，新疆棉农参与农业保险意愿低于实际参与率，影响其意愿与行为的因素既有共性又存在差异。同时，棉农对于能够同时覆盖自然风险及市场风险的农业保险产品存在潜在需求。研究认为，在推进棉花保险进程中，要重视棉农参保意愿对农业保险供给的影响，针对不同类型农户开发适销对路的农业保险产品。

关键词: 新疆, 棉农, 农业保险, 参保意愿, 购买行为

Abstract:

Willingness and behavior of agricultural insurance participators reflect the potential and effective demands of farmers. Hence, the willingness and behavior of farmers are inconsistent, since the influencing factors of farmers' willingness and behavior may be different. Based on the field survey in 3 major cotton production counties, this paper analyzes the difference and the influencing factors of cotton growers' willingness and behavior. The results show that cotton growers' willingness is lower than the actual participation. And the influencing factors of cotton growers' willingness and behavior to participate in agricultural insurance in Xinjiang have both similarities and differences. The results also show that cotton growers have a potential demand for agricultural insurance products that can cover both natural risks and market risks. Therefore, cotton growers' willingness of insurance demand should be highly valued and readily marketable insurance products should be developed.

Key words: Xinjiang, cotton grower, agricultural insurance, willingness to participate insurance, behavior to participate

中图分类号:

F840.66

晁娜娜, 杨汭华. 新疆棉农农业保险购买意愿与行为差异分析[J]. 北京航空航天大学学报（社会科学版）, 2019, 32(3): 87-92,123.

CHAO Nana, YANG Ruihua. Difference Analysis on Cotton Growers' Willingness and Behavior of Agricultural Insurance Participation in Xinjiang[J]. JOURNAL OF BEIJING UNIVERSITY OF AERONAUTICS AND A, 2019, 32(3): 87-92,123.

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新疆棉农农业保险购买意愿与行为差异分析

Difference Analysis on Cotton Growers' Willingness and Behavior of Agricultural Insurance Participation in Xinjiang

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