风险感知、风险态度与蒜农收入保险投保行为——基于江苏省678户蒜农的调查

RISK PERCEPTION，RISK ATTITUDE，AND GARLIC FARMERS' INCOME INSURANCE ADOPTION BEHAVIOR——A SURVEY OF 678 GARLIC FARMERS IN PIZHOU CITY, JIANGSU PROVINCE

关键词:  风险感知  风险态度  大蒜收入保险  调节效应

Key words:  risk perception  risk attitudes  garlic income insurance  moderating effect

摘要:

目的 研究风险感知、风险态度对蒜农收入保险投保行为的影响及作用机制，对有效推动大蒜产业健康发展具有重要的现实意义。方法 文章基于江苏省678户大蒜种植农户的调查数据，采用Logit模型研究风险感知与风险态度对蒜农收入保险投保行为的直接影响，以及风险态度的调节效应。结果 （1）风险感知水平较高的蒜农更倾向于购买收入保险。（2）越是厌恶风险的蒜农越倾向于购买收入保险。（3）蒜农的受教育水平、党员身份、健康状况、老少抚养比以及大蒜种植面积在收入保险投保中起到显著的正向影响；大蒜种植收入、金融资产以及合作社成员身份对收入保险的投保有显著的负向影响。（4）蒜农的风险态度削弱了风险感知在收入保险投保中的促进作用。结论 为促进大蒜收入保险健康快速发展，政府要加强宣传教育，增强蒜农风险管理意识；以奖代补加大财政支持，激发蒜农购买收入保险行为；立足地方特色农产品，创新服务新机制；建立保险信息共享平台。

Abstract:

It is of great practical significance to study the effect of risk perception and attitude on garlic farmers' income insurance adoption behavior and its mechanism to promote the healthy development of garlic industry. Based on the survey data of 678 garlic farmers in Jiangsu province，Logit model was used to study the direct effect of risk perception and risk attitude on garlic farmers' income insurance，and the moderating effect of risk attitude. The results were showed as follows. The garlic farmers with higher level of risk perception were more likely to purchase income insurance， and the more risk-averse garlic farmers were more likely to purchase income insurance. The education level，party membership，health status，the ratio of old to young and the planting area of garlic farmers had significant positive effects on income insurance. And garlic growing income，financial assets and cooperative membership had significant negative effects on income insurance coverage. And the risk attitude of garlic farmers weakened the role of risk perception in income insurance. Therefore, in order to promote the healthy and rapid development of garlic income insurance，the government should strengthen the propaganda and education，strengthen the garlic farmers' awareness of risk management; replace direct subsidies with performance-based rewards to increase fiscal support and motivate farmers to purchaseincome insurance; build on local specialty agricultural products to create innovative service mechanisms; and establish an insurance information-sharing platform.