天山北坡经济带农业保险农户满意度调查及其影响因素研究

发布时间：2018-04-23 08:12

本文选题：农业保险 + 农户满意度　；参考：《新疆农业大学》2016年硕士论文

【摘要】：新疆是一个农业自然灾害多发的农业大省,农业经济占据了相当重要的地位,稳定的农业经济是社会稳定和经济可持续发展的前提条件,国家支持“三农”的宏观调控政策之一就是农业保险政策,以此加强农牧业防范和抵御风险以及再生产能力,稳定了农民生活和农业生产。2007年新疆被纳入农业保险试点,农业保险在全疆16个地州及兵团地区全面展开,在政府的众多支持和优惠条件下,各地州积极响应农业保险工作的开展,发展迅速。天山北坡经济带外向型的农业经济类型,巩固了该地区财政实力,提高了农民收入,对农业保险的保障需求强烈,为促进北坡经济带现代化农业发展,加强保障水平,各级政府更应该加强农业保险的政策扶持和科学研究。本文对北坡经济带农户参与农业保险情况进行问卷发放、回收及现场访谈,基于农户视角,从业务发展的四个主要方面研究了农户对新疆农业保险的满意情况及造成农户满意度差异的影响因素,采用多种分析方法对当地农户满意度进行调查。问卷调查的内容从农户自身特征、农户认知情况、政府工作以及当前农业保险的业务水平分析影响农户满意度的因素,将访谈记录与模型检验结果相结合说明农户满意度的影响因素作用效果。研究结果表明,新疆农业保险已达到一定规模,农户认知水平提高,勘察定损环节日益完善,农业保险制度较为合理,农户参保率高,农业保险的保障作用发挥良好,大多数农户已达到满意程度;但是也存在风险转嫁与分散、产品缺乏、补贴费用管理问题以及保险宣传等一系列问题。本文通过对农户满意度及其影响因素的分析中,找出阻碍农业保险发展中的重大瓶颈问题,提出通过提升农业保险支农地位、扩大覆盖面、提高服务水平、创新农业保险产品、建立巨灾风险和再保险机制等合理并具针对性的对策建议,不断提高农户参与率以及满意度情况。
[Abstract]:Xinjiang is a large agricultural province prone to agricultural natural disasters. Agricultural economy occupies a very important position. A stable agricultural economy is a prerequisite for social stability and sustainable economic development. One of the macro-control policies supported by the state for agriculture, rural areas and farmers is the agricultural insurance policy, thus strengthening the ability of agriculture and animal husbandry to guard against risks and to resist risks and reproduction, thus stabilizing farmers' lives and agricultural production. Xinjiang was included in the agricultural insurance pilot project in 2007. Agricultural insurance has been carried out in all 16 prefectures and regions of Bingtuan in Xinjiang. Under the support and preferential conditions of the government, all the states have responded positively to the development of agricultural insurance and developed rapidly. The extroverted agricultural economic types in the northern slope of Tianshan Mountain have consolidated the financial strength of the region, raised the income of farmers, and had a strong demand for agricultural insurance. In order to promote the development of modern agriculture in the economic belt of the northern slope, the level of security has been strengthened. Governments at all levels should strengthen policy support and scientific research for agricultural insurance. In this paper, farmers' participation in agricultural insurance in the North Slope Economic Belt is investigated by questionnaires, recovery and on-site interviews, based on the perspective of farmers. From four main aspects of business development, this paper studies farmers' satisfaction with agricultural insurance in Xinjiang and the factors influencing the difference of farmers' satisfaction, and makes an investigation on the satisfaction of local farmers by various analytical methods. The content of the questionnaire is to analyze the factors influencing farmers' satisfaction from their own characteristics, farmers' cognition, government work and the current business level of agricultural insurance. The results of interview record and model test show the effect of influencing factors of farmers' satisfaction. The results show that the agricultural insurance in Xinjiang has reached a certain scale, the level of farmers' cognition has been improved, the link of investigation and determination of damage has been improved day by day, the agricultural insurance system is more reasonable, the rate of farmers' participation in insurance is high, and the safeguard function of agricultural insurance is playing a good role. Most farmers have reached a satisfactory level, but there are also a series of problems such as risk transfer and dispersion, lack of products, subsidy cost management and insurance publicity. Based on the analysis of farmers' satisfaction degree and its influencing factors, this paper finds out the major bottleneck problems that hinder the development of agricultural insurance, and proposes to improve the agricultural insurance status, expand the coverage, improve the service level, and innovate the agricultural insurance products. The establishment of catastrophe risk and reinsurance mechanism and other reasonable and targeted countermeasures and suggestions to continuously improve the participation rate and satisfaction of farmers.
【学位授予单位】：新疆农业大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F842.66

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