Position: Home > Articles > Demand and Willingness of Agricultural Insurance Loan and Its Influencing Factors——Based on the Survey of Nanjing and Yangzhou
Hunan Agricultural Sciences
2018
(4)
112-117
“农业保险贷”的需求意愿及其影响因素研究——基于南京市和扬州市的调查
作 者：
张家宁;李浩云;陈玉雯;梅正鼎
关键词：
农业保险贷;银保互动;影响因素;二元Logistic
摘 要：
以江苏省南京市(高淳区、溧水区)和扬州市(江都区、高邮市)共10个村176户农民调查资料为基础,设计家庭特征、经营特征和借贷特征3个变量,通过建立二元Logistic回归模型分析农户对江苏省政、银、保三方合作推出的产品"农业保险贷"的需求意愿及其影响因素。结果表明:文化程度、办理农业保险经历、是否有贷款经历、其他贷款资金满足程度与农户对"农业保险贷"的需求意愿呈正相关;年龄、融资利率与农户对"农业保险贷"的需求意愿呈负相关;性别、是否有人(曾)担任干部、土地面积、非农就业人口占总人口比重、农业收入占总收入比重和能接受贷款审批时间这6个变量影响不显著。提出加大"农业保险贷"的宣传力度、针对不同农户有层次进行宣传、推广"农业保险贷"的同时推广农业保险和政府要加大扶持力度等4个建议。
译 名：
Demand and Willingness of Agricultural Insurance Loan and Its Influencing Factors——Based on the Survey of Nanjing and Yangzhou
作 者：
ZHANG Jia-ning;LI Hao-yun;CHEN Yu-wen;MEI Zheng-ding;Nanjing Agricultural University;Hunan Cotton Science Institute;
单 位：
ZHANG Jia-ning%LI Hao-yun%CHEN Yu-wen%MEI Zheng-ding%Nanjing Agricultural University%Hunan Cotton Science Institute
关键词：
agricultural insurance loan;;bank insurance interaction;;influencing factors;;two element Logistic
摘 要：
Based on the survey data of 176 farmers in 10 villages in Nanjing(Gaochun District, Lishui District) and Yangzhou(Jiangdu District, Gaoyou City) of Jiangsu Province, 3 variables of family characteristics, operating characteristics and loan characteristics are designed, through the establishment of two element Logistic regression model, this paper analyzes the influencing factors of farmers' demand and willingness on the product called "Agricultural Insurance Loan", which is under the collaboration of government, bank and insurance company. The results show that the degree of culture, the experience of agricultural insurance, the experience of loan and the satisfaction of other loans are positively related to the farmers' desire of demand for the "agricultural insurance loan"; age, financing interest rate and farmers' demand for "agricultural insurance loan" are negatively correlated; The 6 variables such as sex, whether there are people(once) as cadres, land area, the proportion of non-agricultural employment population to the total population, the proportion of agricultural income to total income and the acceptance of loan approval time are not significant. 4 suggestions are put forward to increase the publicity of "agricultural insurance loan", propagandize different farmers at different levels, promote the agricultural insurance when promote the agricultural insurance loan, and the government should strengthen its support.
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