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中文摘要：
本文基于黑龙江和辽宁两省340份被访农户作物保险购买状况的调查问卷,实证分析了纯收入、保费补贴与逆向选择对农户参与作物保险决策的影响。结果显示,家庭纯收入、政府保费补贴与逆向选择均对农户参与作物保险决策具有显著影响：家庭纯收入越高、政府保费补贴越高,农户作物保险参与意愿越强,保费支付意愿越高;相较于风险偏好类型农户,风险规避类型农户对作物保险保费的支付意愿较低,存在着逆向选择。在此基础上,本文提出提高农户收入、加大保费补贴以及完善法律法规等政策建议。
英文摘要：
On the basis of the survey from 340 farmers in Heilongjiang and Liaoning province on their crop insurance purchase status,this paper identified the impact of net income,premium subsidy and adverse selection on farmers’ participation for crop insurance by the virtue of econometric analysis.Empirical analysis found that the family net income,government premium subsidy and adverse selection did have significant influence on farmers’ participation for crop insurance.The higher the family net income and the government premium subsidy,the stronger willingness to participate in crop insurance and the higher willingness to pay for the premium of crop insurance;farmers prefer risk had higher willingness to pay for the premium of crop insurance then farmers averse risk,which showed a big adverse selection.So,this paper proposed policy suggestions like improving farmers’ income,reducing the post-disaster relief and perfecting laws and regulations.
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