本文選題：農戶 + 政策性農業(yè)保險�。� 參考：《南京農業(yè)大學學報(社會科學版)》2017年03期

【摘要】：本文基于對江蘇省883戶已獲理賠的養(yǎng)殖戶的實地調研,采用模糊綜合評價法分析目前江蘇省政策性農業(yè)保險實際推廣中不同類型農業(yè)經營主體對當前政策性農業(yè)保險的理賠評價,并實證檢驗影響農戶理賠評價的各類因素。研究發(fā)現(xiàn):農業(yè)保險理賠仍存在較大的優(yōu)化空間,其中小農戶改進空間更大;中央財政補貼險種對兩類農戶支持較好;農業(yè)保險彌補成本能力設計不足主要是由于保險金額確定不合理;農戶對理賠效率較滿意,但網點設立不足。中央補貼影響、農戶基本特征、農戶對農業(yè)保險認知特征、參加農業(yè)培訓頻率對不同農業(yè)經營主體評價理賠效果具有顯著影響。在此基礎上進一步提出政策支持建議。
[Abstract]:This paper is based on a field survey of 883 farmers in Jiangsu Province who have already received claims. The fuzzy comprehensive evaluation method is used to analyze the claims of different types of agricultural operators in the actual extension of agricultural insurance in Jiangsu Province, and the factors that affect the evaluation of farmers' claims are empirically tested. It is found that there is still great room for optimization of agricultural insurance claims, in which small farmers have more room for improvement, and the central financial subsidy policy supports the two types of farmers better. The main reason is that the insurance amount is not reasonable, the farmers are satisfied with the efficiency of claim settlement, but the establishment of the network is insufficient. The influence of central subsidy, the basic characteristics of farmers, the cognitive characteristics of farmers' agricultural insurance, and the frequency of participating in agricultural training have significant effects on the evaluation of claims by different agricultural operators. On this basis, further policy support suggestions are put forward.
【作者單位】： 南京農業(yè)大學金融學院/農業(yè)保險研究所;
【基金】：農業(yè)部軟科學項目“政策性農業(yè)保險機制創(chuàng)新研究——基于江蘇省試點情況的調查”(201608-1) 江蘇高校哲學社會科學研究項目“現(xiàn)代農業(yè)保險理論、機制與實踐研究”(2016ZDIXM010) 江蘇省保險學會基金項目“江蘇省農業(yè)保險大災補償能力評價及影響因素分析”(SBX2017-5-C-02)
【分類號】：F326.3;F842.66

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