福建农户农业保险需求的实证分析

本文运用SPSS13.0 统计软件对福建省350份农业保险问卷调查的数据进Logistic回归处理，对影响福建农户农业保险决策的影响因素进行实证分析，结果显示：年收入水平、农业收入的比重、耕地面积、了解农业保险的程度这4个变量对农户农业保险的购买决策有显著影响，种粮是否划算、种养业面临的风险种类、受灾程度等8个变量对农户农业保险的购买决策影响不大。本次调查分析还得出另外一个结论：家庭总收入高的福建农户往往因为农业收入比重过低而对农业保险需求不高，而农业收入比重高的福建农户往往又因为家庭总收入太低而买不起农业保险。因此，要促进福建农业保险持续、稳定、健康发展，从农户来说，一方面要刺激农户的农业保险需求，另一方面还必须切实提高其购买能力。

The Empirical Analysis of Farmers’ Demand for Agricultural Insurance in Fujian

This paper uses SPSS13.0 to make Logistic regression into the survey data of 350 questionnaires of agricultural insurance in Fujian, empirically analyzes factors that affect the farmers’ decision-making in agricultural insurance in Fujian. The results show that four variables including the level of annual income, the proportion of agricultural income, the size of land, the extent of understanding of agricultural insurance significantly affected farmers’ decision to buy agricultural insurance, the other 8 variables including cost-effective in grain, the risk type of planting and breeding, damage extent have little effect on farmers’ purchasing decision in agricultural insurance. At the same time, the survey analysis also comes to another conclusion: farmers with higher total household income often have low demand for agricultural insurance because of the low proportion of farm income, however, farmers with high proportion of agricultural income can not afford to buy agricultural insurance because of lower household total income. Thus, to promote sustained, stable and healthy development in agricultural insurance in Fujian, on one hand it needs to stimulate farmers’ demand for agricultural insurance, on the other hand, it must also increase their purchasing power.