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牲畜保险是农业保险的重要组成部分,生猪保险作为大宗农产品的风险保障近年来受到政府高度重视。农业保险参与率问题是农业保险的基本问题,生猪保险参与率的研究相对较少。本文利用一手资料对生猪保险的需求进行研究,使用Logistic模型,采用农户疫苗花费等代理变量对生猪保险参与率问题进行了实证研究,并对农户退保行为进行分析。研究发现:影响农户生猪保险参与率的因素主要有农户的风险规避程度、对生猪保险认知程度、养猪规模等变量。降低生猪保险理赔环节和交易成本,提高农户对农业保险的认识可以在一定程度上提高生猪保险参与率。
Livestock insurance is an important part of agricultural insurance. As the risk protection of bulk agricultural products, pig insurance has been highly valued by the government in recent years. The problem of agricultural insurance participation rate is the basic problem of agricultural insurance, the study on the participation rate of pig insurance is relatively few. In this paper, first-hand information on the demand for pig insurance research, the use of Logistic model, using the farmer’s vaccine costs and other proxy variables on the live pig insurance participation rate of empirical research and analysis of the farmer surrender behavior. The study found that the main factors affecting farmers’ participation in pig insurance are the risk aversion of farmers, the awareness of pig insurance and the scale of pig raising. Reduce hog insurance claims and transaction costs, raising farmers’ awareness of agricultural insurance can improve the participation rate of pig insurance to a certain extent.