农民对农业保险的认知情况研究——基于在甘肃省华亭县的调研

以甘肃省华亭县农户为调研对象,通过问卷调查获得数据,在此基础上研究该县开展农业保险过程中农民对农业保险认知程度和需求意愿,分析农户购买农业保险的影响因素。结果显示,华亭县大多数农民对农业保险有所了解,且购买过农业保险的农民满意度较高,未购买过的农户参保意愿也较高,这是农业保险推广的3个积极因素;但仍然存在农民收入低、保险公司宣传力度不够、农业保险种类单一等限制农业保险推广的因素。据此,提出了加大扶贫贷款发放力度、加强保险公司宣传、增加农业保险种类等提高农业保险覆盖面的政策建议。

Cognition of Farmers on Agricultural Insurance Based on the Survey in Huating County, Gansu Province

Abstract With farmers in Huating County, Gansu Province as investigation object, through investigation, on the basis of this, the cognition and demands willingness of farmers on agricultural insurance were studied, the influencing factors were analyzed. The results showed that there are 3 positive factors for agricultural insurance extension, including most farmers have some understanding of the agriculture insurance, farmers who have brought agricultural insurance are satisfied, farmers participating insurance willing are high; There are also some limiting factors, such as farmers low income, propaganda is not enough, single type of agricultural insurance. Several suggestions were put forward, including increase poverty alleviation loans, strengthen propaganda, increase insurance types.