基于Logit模型对新型农业经营主体农业保险购买偏好的特征研究

江生忠; 朱文冲

基于Logit模型对新型农业经营主体农业保险购买偏好的特征研究

引用本文：江生忠,朱文冲.基于Logit模型对新型农业经营主体农业保险购买偏好的特征研究[J].财经理论与实践,2021,(2):50-56

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作者	单位
江生忠,朱文冲	（南开大学金融学院，天津 300071）

中文摘要:新型农业经营主体对农业保险的购买偏好与传统小农户存在明显的区别。运用二分类Logit回归模型，以对8个省份的问卷调查为基础，实证分析新型农业经营主体农业保险的购买偏好特征。结果表明：对市场价格反映较为敏感；更愿意提高保额的同时提高保费，对保费支出意愿较强；更迫切需要高保障型产品，提高损失补偿度；对政府提高保费补贴意愿强；对收入保险需求更迫切；补偿或救助发挥着正向作用。

中文关键词:农业保险新型农业经营主体购买偏好

Logit Model Based Research on the Characteristics of Agricultural Insurance Purchasing Preference of New-type Agricultural Business Entities

Abstract:The new-type agricultural business entities have a distinct preference for agricultural insurance from traditional farmers. Using the binary regression model, based on the questionnaire survey of new type agricultural business entities in eight provinces, this paper analyze empirically the buying preference characteristics of new type agricultural business entities in agricultural insurance. The results show that the response to income is weak; it is sensitive to the market price; they are more willing to pay premiums, and more willing to raise premiums along with coverage; they are more urgently in need of high security products, to improve the degree of compensation for losses; the government increases more subsidies for insurance premiums; they are more eager for income insurance; compensation or aid plays a positive role in agricultural insurance purchase intention.

keywords:agricultural insurance new type agricultural business entity buying preference

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