基于浙江省温岭市粮食种植户调查数据发现,在农业保险需求上,纯农型农户的需求高于兼农型农户;在农业保险的具体险别中,纯农型农户首选产量保险,其次是收入保险,其对产量保险的需求显著高于兼农型农户.选取纯农型和兼农型两类农户对农业保险重要性认识作为因变量,将代表农户基本特征的变量作为自变量纳入回归模型进行分析,结果显示:农户采用其他方式获得灾后融资越高,对农业保险的"挤出效应"越明显;收入来源的多样化会导致农户对于农业保险需求的降低;文化教育程度越高的农户对农业保险需求越大.%Based on the survey data of grain growers in Wenling City, Zhejiang Province shows that pure peasant households' demands on agricultural insurance are higher than those of part-time peasant households. As for the specific types of agricultural insurance, pure peasant households prefer the output insurance as the first choice, and the second one is the income insurance. The paper then selected two types of households' dependence on agricultural insurance as dependent variable and found that the higher the post-disaster financing obtained by the peasant households, the more obvious the "crowding-out effect"of agricultural insurance; the diversification of income sources will lead to the decrease in the preference agricultural insurance for peasant households; the higher the education level for the farmers, the higher preferenceprobability of the agricultural insurance for the peasant households.
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