中文摘要：

以广东云浮市522家农户为调研对象，采用问卷调查与对应分析的方法，对政策性农业保险的参保意愿进行研究。调研结果表明：农户对政策性农业保险的实际参与率与潜在需求之间存在较大反差，收入在2万元以上、初中以上文化程度、拥有一定耕地数量的农户是政策性农业保险的潜在购买群体，水稻、能繁母猪、农村住房、森林火灾等政策性农业保险购买需求与农户收入高低、耕地数量多少、学历高低等密切相关。因此，应进一步从简化保险手续、缩短索赔程序等方面进一步完善政策性农业保险制度；将政策性农业保险与农村金融机构的小额贷款发展相结合；建立政策性农业保险的动态调整机制。

英文摘要：

Based on a survey of 522 households in Yunfu city of Guangdong, this paper studied the insured will for policy agricultural insurance using the method of description and correspondence analysis. The results showed that： there was a contrast between the farmers＇ actual participation rate and potential demand, those who had more than 20,000 yuan income per year, finished junior middle school, owned a certain number of farmland were the potential buyer of the policy agricultural insurance, the policy insurances including rice insurance, sow insurance, rural houses insurance and forest fire insurance were closely related with farmers＇ income, farmland and education level. Therefore, the policy agricultural insurance should： further perfect the procedure of the policy agricultural insurance system, combine the policy agricultural insurance with rural microfinance development, and establish the mechanism of dynamic adjustment of policy agricultural insurance.