渔民对渔业保险行为选择的差异性研究

渔业保险能让渔民有效规避生产风险,降低渔户损失。本文基于对渔民的实地调研数据,利用Logistic回归分析模型,对影响渔民参与渔业保险的行为选择进行了实证分析。结果表明,渔户年龄、养殖面积、养殖收入占比、渔业培训情况、对渔业保险的了解程度、对渔业保险重要性的判断、渔业灾害的损失程度和渔业保险的产品设计对渔业保险的需求有着显著的正向影响,并进一步提出应提高渔民对渔业保险的认知,加大渔业保险的宣传力度,加大对渔民的技能培训,强化渔民的风险保护意识等政策建议。

Factors Influencing Fishermen’s Decision to Buy Fishery Insurance: An Empirical Analysis

Fishery insurance can help fishermen effectively circumvents the risk of production and reduces their losses. Based on the survey data of the fishermen, we used the Logistic regression model to make an empirical analysis about the factors that affect the fishermen’s participating in the decision of the fishery insurance. The empirical results showed that the fishermen’s age, breeding area, fisheries, fishermen’s training situation, the degree of understanding of fishery insurance, the judgment about the importance of fishery insurance, fishery disaster loss rate and the design of the fishery insurance product had a significant positive influence on the demand of the fishery insurance. Thus we put forward the suggestions about the development of the fishery insurance.