福建农业企业投保农业保险意愿的实证分析
The Empirical Analysis of Agricultural Enterprises’ Desire of Agricultural Insurance in Fujian
运用SPSS 13.0统计软件对福建省141份农业企业投保农业保险问卷调查的数据进Logistic回归处理,对影响福建农业企业投保农业保险意愿的影响因素进行实证分析,结果显示:养殖效益、能繁母猪保险投保便利程度、对保险公司的看法这3个因素对农业企业投保农业保险的意愿有显著影响,存栏数、养殖投入程度、是否受周边企业影响、是否更易得到信贷支持等4个变量对农业企业投保农业保险的意愿影响不大。并提出增加农业企业经营效益、发展有特色的农业保险产品、加强保险服务等措施,以促进农业保险的进一步发展。
This paper uses SPSS 13.0 statistical software to make Logistic regression into the survey data of 141 questionnaires of agricultural enterprises arranging agricultural insurance in Fujian, the results of empirical analysis on the factors that affect Fujian agricultural enterprises’ decision-making in agricultural insurance show that three variables including cultivation benefit, the accessibility of breeding sow insurance, the attitudes toward insurance enterprises significantly affect agricultural enterprises’ decisions to buy agricultural insurance, however, the other 4 variables including stock level, cultivation investment, the influence comes from peripheral enterprises, the accessibility of credit aid effecting on agricultural enterprises’ purchasing decision in agricultural insurance weakly. Furthermore, this paper proposes a series of measures such as raising agricultural enterprises’ operating efficiency, detecting distinctive insurance products, improving insurance service and so on, which will lead to a further development of agricultural insurance.
福建;农业企业;农业保险;意愿
Fujian; agricultural enterprise; agricultural insurance; desire
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