[1]程静,刘飞,陶建平.风险认知、风险管理与农险需求——基于行为金融视角的实证研究[J].南京农业大学学报(社科版),2018,18(03):133-141.
　CHENG Jing,LIU Fei,TAO Jianping.Risk Perception, Risk Management and Agricultural Insurance Demand: An Empirical Re-search from the Perspective of Behavioral Finance[J].Journal of Nanjing Agricultural University(Social Science),2018,18(03):133-141.
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风险认知、风险管理与农险需求——基于行为金融视角的实证研究()
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南京农业大学学报（社科版）[ISSN:1006-6977/CN:61-1281/TN]

卷:
18
期数:
2018年03期
页码:
133-141
栏目:
农业经济
出版日期:
2018-05-16

文章信息/Info

Title:
Risk Perception, Risk Management and Agricultural Insurance Demand: An Empirical Re-search from the Perspective of Behavioral Finance
作者:
程静1;  刘飞2;  陶建平2
1. 湖北工程学院 经济与管理学院, 湖北 孝感 432000;
2. 华中农业大学 经济管理学院, 湖北 武汉 430070
Author(s):
CHENG Jing1;  LIU Fei2;  TAO Jianping2
关键词:
风险认知; 风险管理; 天气指数保险; 投保意愿; 行为金融
分类号:
F323.9
摘要:
文章基于行为金融分析框架，构造风险认知、风险管理、保险认知、保险负担、农业情感五类行为变量，利用湖北省351户微观调研数据检验农户天气指数保险决策的影响因素。结果表明：获得无偿现金援助机会、家庭劳动力比重及土壤灌溉条件等风险认知和管理因素是影响农户农业保险需求的最主要因素，农户农业保险决策显著受到慈善困境效应的影响。进一步通过专家咨询法和层次分析法对五类因素进行排序，其影响程度依次为风险管理、风险认知、保险负担、保险认知和农业情感。优化农户农业保险决策过程，促进农业保险市场供给侧结构性改革，要求在增强农户农险支付能力的同时，注重农户农业风险的认知及管理；同时，亦要有效提升农户农业保险认知和农业情感投入。
Abstract:
Figuring out farmers’ agricultural insurance decision-making process and its contributors is of great theoretical and practical significance to the supply-side structural reform of agricultural insurance mar-ket. Based on the analysis framework of behavioral finance, the paper constructed five groups of behav-ioral factors:risk perception, risk management, insurance affordability, insurance recognition and ag-ricultural affection, and used the survey data of 351 households in Hubei Province to examine these factors on agricultural insurance decision making. The results showed that risk perception and manage-ment factors such as opportunities of getting non-reimbursable relief, household labor proportion and soil irrigation condition are the major determinants of farmers’ agricultural insurance demand. Their in-surance decision making is significantly affected by Samaritan’s dilemma. Furthermore, expert consulta-tion method and analytic hierarchy process were used to sort the five categories of variables, which are risk management, risk perception, insurance affordability, insurance recognition and agricultural affec-tion according to their influence order. To optimize the insurance decision making and promote the sup-ply-side structural reform of agricultural insurance market, we need to emphasize risk perception and management as well as enhancing farmers’ insurance affordability. In the meantime, their insurance awareness and affection on agriculture have to be improved.

参考文献/References:

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备注/Memo

备注/Memo:
收稿日期:2017-04-12。
基金项目:教育部人文社会科学青年基金项目"农业旱灾脆弱性测度及旱灾风险管理机制设计"（14YJC630021）；国家自然科学青年基金项目"长江流域双低油菜天气指数保险契约模型研究"（71503073）
作者简介:程静,女,湖北工程学院经济与管理学院副教授,博士,E-mail:446944921@qq.com;刘飞,男,华中农业大学经济管理学院博士生;陶建平,男,华中农业大学经济管理学院教授,博士生导师。
更新日期/Last Update: 1900-01-01