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| | A binomial probit model is applied to study the cotton farmers’ behavior in Manas Valley, Xinjiang Uygur Autonomous Region. The purpose is to examine the factors influencing the producers’ decisions to insurance their crops. The results indicate that variation in risk in cotton yields, specialization of the cotton producers, total acreage, and farmer’s experience in farming are significant statistically at the farmer level. Recommendations for extension of crop insurance program are provided | | 本文以新疆玛纳斯河流域部分团场和乡镇棉农为对象,采用概率单位模型(ProbitModel)对影响其购买棉花保险行为的因素进行实证分析。研究表明,农户对农业保险的需求主要受农业生产风险的大小、棉花专业化生产程度、总耕地面积、户主务农时间长短等因素的影响。通过实证分析,探讨了农户水平上影响农业保险需求的各因素,为将来推行农业保险制度提供了科学依据。 | | 文摘来源 | | Agricultural Insurance in China Started in 1930s, but it had little resemblance to the limited insurance categories that are available to the Chinese farmers now. Following Wright and Hewitt (1994), many Chinese researchers follow the assumption of risk preference of Chinese farmers when analyzing the fact that there is the lack of interests of Chinese farmers in agricultural insurances, but few has touched the evolution of farmers risk preferences with their income levels. We have conducted a four-province... | | 我国农业保险起始于20世纪30年代,经过几十年的实验,情况仍不乐观。对于农业保险的需求不足状况,本文从效用层面的角度对其给予解释。假设农民在收入没有达到一定阈值时,其对于风险的偏好随着收入或者财富的增加而趋于规避。因而,对于中国农民来讲,其对于风险的偏好在低收入时往往趋于风险中性,在没有补贴的情况下,不倾向于使用农业保险来分散农业生产中遭遇到的自然风险。 | | 文摘来源 | | Agriculture is a disadvantaged industry in the national economy and is relatively weak in risk transfer and avoidance.Agricultural insurance is an effective way to cover farmers' losses.Demands for agricultural insurance are closely related to farmers' monetary income,and the latter is the major factor affecting the level of demands for agricultural insurance.Only when farmer' monetary income reaches or exceeds their basic livelihood needs,should there be demands for agricultural insurance.The income elasti... | | 农业是国民经济中的弱质产业,规避和转移风险的能力较弱,农业保险是农民风险损失能得到及时弥补的有效手段。农民货币收入与农业保险需求高度相关,是制约农业保险需求大小的主要因素;在货币收入达到或超过其基本生活需要的临界值后,才可能产生农业保险需求。现阶段农业保险需求的收入弹性较大,保险需求的增长快于农民收入的增长。为加快农业保险的发展,国家应积极采取措施,提高农民收入;采取倾斜性财税政策,支持农业保险发展;建立专业性相互保险组织和政策性农业保险公司、同时加大对农业保险的宣传和推广力度,提高农民保险意识。 | | 文摘来源 | |   | | << 更多相关文摘 |
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