农户购买农产品价格指数保险意愿的影响因素

摘要

The factors influencing farmers’willingness to purchase farm prices index insurance,the correlation between different influencing factors and hierarchical structure were analyzed by the established Logit model based on the data of 479 farmer households and the interpretative structural model to provide a reference for making and perfecting the farm prices index insurance system.The results showed that the factors of gender,education level,family income,proportion of agricultural income,market risk loss, market risk cognition and premium level have the effect on farmers’willingness to purchase farm prices index insurance.Premium level is the surface direct factor of influencing farmers’willingness to purchase farm prices index insurance,family income,proportion of agricultural income and market risk cognition are the transition factors,education level and market risk loss are the secondary basic factors and gender is the deep original factor in farmers’willingness to purchase farm prices index insurance.%为相关部门制定和完善农产品价格指数保险制度提供参考，基于对陕西杨凌地区479名农户的调研数据，建立 Logit 模型分析了农户购买农产品价格指数保险意愿的影响因素，并运用解释结构模型解析了各影响因素间的关联关系和层次结构。结果表明：农户的性别、受教育程度、家庭总收入、农业收入占比、市场风险损失情况、市场风险认知情况和自行承担的保费水平对农户购买农产品价格指数保险的意愿具有影响。其中，保费自行承担水平是影响农户购买农产品价格指数保险意愿的表层直接因素，家庭总收入、农业收入占比、市场风险认知情况是中间过渡层因素，受教育程度和市场风险损失情况是次基础层因素，性别是深层根源因素。