宁夏农业保险需求现状及影响因素分析

宁夏农业保险需求现状及影响因素分析摘要宁夏回族自治区地处我国西北内陆，境内地形差异大，海拔相差悬殊。因此，该地区气候类型复杂，自然灾害发生可能性增加，已对当地农业生产活动造成一定干扰，且阻碍了经济发展进步。据相关消息显示，宁夏地区的GDP发展相较其他省份存在很大的差距，而农业又是该地区的主要产业，所以农业保险在当地的开展显得尤为重要。当地在农业保险业务的经营过程中也存在着一些问题，比如农业保险是否能够顺利开展，有哪些因素能够影响到农户的投保率。要想该地区农业保险能够持续健康发展，对这些问题的研究就非常有必要。本论文在利用相关文献的基础上，选取了当地二百多家农户进行问卷调查，对所得数据进行了统计分析，从而得出了农户参保率的主要影响因素。基于宁夏地区农户对农业保险需求不足、农业保险缺乏有效供给以及当地农业保险面临的风险因素多等问题，本论文在数据结果分析的基础上，从农户、承保机构和政府三个角度出发提出相应的对策建议，期望农业保险能够更好的在该地区发挥作用，为西部地区发展农险业务提供参考。关键词：宁夏地区：农业保险；需求现状；影响因素Analysis on current situation and influencing factors ofagricultural insurance demand in NingxiaAbstractNingxia Hui Autonomous Region is located in the northwest of China,with large terraindifferences and great altitude differences.Therefore,the climate type in this region is complexand the probability of natural disasters is high,which seriously affects the local agriculturalproduction activities and restricts the economic development.According to relevant information,there is a big gap in GDP development of Ningxia compared with other provinces,andagriculture is the main industry in the region,so the development of agricultural insurance in thelocal area is particularly important.There are also some problems in the operation of local agricultural insurance business,suchas whether agricultural insurance can be carried out smoothly,what are the difficulties in thedevelopment process,and how well farmers accept agricultural insurance;And what factors canaffect the insurance rate of farmers.It is very necessary to study these problems if we want theagricultural insurance in this region to develop continuously and healthily.On the basis of the use of relevant literature,this paper selected more than 200 localfarmers for a questionnaire survey,statistical analysis of the data obtained,so as to get the mainfactors affecting the insurance rate of farmers.Based on this,based on the analysis of dataresults,this paper puts forward corresponding countermeasures and suggestions from theperspectives of farmers,underwriting institutions and the government,hoping that agriculturalinsurance can play a better role in this region and provide reference for the development ofagricultural insurance business in western China.Key words:Ningxia Region;Agricultural insurance;Demand status;Influencing factors目录摘要Abstract.........................1.绪论…1.1研究背景及意义11.1.1研究背景11.1.2研究意义…11.2文献综述….21.2.1国外研究综述.….21.2.2国内文献综述。.21.3研究内容及方法21.3.1研究内容..21.3.2研究方法…2.相关概念和理论基础42.1农业保险的相关概念…2.1.1农业保险的界定及划分42.2农业保险理论基础.52.2.1准公共产品理论..52.2.2马斯洛需求层次理论.53.宁夏省农业保险现状分析.….73.1宁夏省农业保险发展历史.0.73.2宁夏省农业保险风险现状…33宁夏省农业保险需求现状..83.4宁夏地区对农业保险的补贴政策….94.宁夏地区农业保险需求影响因素的统计分析.114.1调查对象以及地区的选取..114.2农户的个体属性对农业保险的影响.…114.3农户家庭平均年收入对农业保险的影响.124.4农户遭受自然风险的情况对农业保险的影响.124.5承保机构理赔等服务对农业保险的影响..134.6农户对农业保险的了解程度对农业保险的影响.135.宁夏地区农业保险发展存在的问题和原因分析….145.1宁夏地区农业保险发展存在的问题….145.1.1农业保险需求不足..145.1.2农业保险供给不足.145.1.3财政补贴力度不够….145.2宁夏地区农业保险发展问题的原因分析.145.2.1农户收入低……145.2.2农业保险面临的风险因素较多.155.2.3农业保险法律法规不健全.….156.促进宁夏地区农业保险快速稳定发展的建议..166.1提高农户的收入.166.2保险公司要保障农业保险的有效供给.…