目(mu)前(qian)，以(yi)(yi)生(sheng)(sheng)豬(zhu)(zhu)(zhu)(zhu)養(yang)(yang)(yang)殖(zhi)為主(zhu)的(de)(de)(de)(de)(de)(de)(de)畜牧業生(sheng)(sheng)產(chan)依(yi)(yi)然是(shi)我(wo)國(guo)廣大農(nong)民獲得(de)(de)收益的(de)(de)(de)(de)(de)(de)(de)主(zhu)要途(tu)徑之一。然而(er)隨(sui)著經濟和(he)社會的(de)(de)(de)(de)(de)(de)(de)發展(zhan)，動物疫(yi)病(bing)日益復雜，病(bing)毒傳播與(yu)擴(kuo)散速度加(jia)快。03年的(de)(de)(de)(de)(de)(de)(de) “非典”，以(yi)(yi)及之后(hou)的(de)(de)(de)(de)(de)(de)(de)“禽流感”、“豬(zhu)(zhu)(zhu)(zhu)流感”，不斷地(di)提示著我(wo)們(men)生(sheng)(sheng)態環(huan)境的(de)(de)(de)(de)(de)(de)(de)惡化對(dui)于畜牧業生(sheng)(sheng)產(chan)的(de)(de)(de)(de)(de)(de)(de)威脅，因此人(ren)(ren)們(men)對(dui)于生(sheng)(sheng)豬(zhu)(zhu)(zhu)(zhu)養(yang)(yang)(yang)殖(zhi)考慮的(de)(de)(de)(de)(de)(de)(de)問(wen)題越(yue)來越(yue)多的(de)(de)(de)(de)(de)(de)(de)是(shi)風(feng)險問(wen)題。特別是(shi)在經歷(li)了(le)(le)07年以(yi)(yi)高致病(bing)性豬(zhu)(zhu)(zhu)(zhu)藍耳病(bing)為元兇的(de)(de)(de)(de)(de)(de)(de)生(sheng)(sheng)豬(zhu)(zhu)(zhu)(zhu)疫(yi)情(qing)(qing)，這種突(tu)如其來的(de)(de)(de)(de)(de)(de)(de)疫(yi)情(qing)(qing)讓生(sheng)(sheng)豬(zhu)(zhu)(zhu)(zhu)養(yang)(yang)(yang)殖(zhi)戶(hu)(hu)措手不及。為了(le)(le)避免生(sheng)(sheng)豬(zhu)(zhu)(zhu)(zhu)遭遇疫(yi)病(bing)而(er)死亡的(de)(de)(de)(de)(de)(de)(de)風(feng)險，養(yang)(yang)(yang)殖(zhi)戶(hu)(hu)紛紛減少存欄(lan)數，大量宰殺小(xiao)豬(zhu)(zhu)(zhu)(zhu)母(mu)豬(zhu)(zhu)(zhu)(zhu)，生(sheng)(sheng)豬(zhu)(zhu)(zhu)(zhu)的(de)(de)(de)(de)(de)(de)(de)生(sheng)(sheng)產(chan)跌入(ru)(ru)低谷。這也(ye)(ye)使(shi)得(de)(de)我(wo)國(guo)的(de)(de)(de)(de)(de)(de)(de)豬(zhu)(zhu)(zhu)(zhu)肉價(jia)(jia)格(ge)(ge)(ge)從07年之后(hou)就進(jin)入(ru)(ru)了(le)(le)暴漲階段，供需(xu)兩端不平衡，使(shi)得(de)(de)豬(zhu)(zhu)(zhu)(zhu)肉市場(chang)價(jia)(jia)格(ge)(ge)(ge)波動不斷，嚴重影響了(le)(le)人(ren)(ren)們(men)生(sheng)(sheng)活和(he)養(yang)(yang)(yang)殖(zhi)戶(hu)(hu)的(de)(de)(de)(de)(de)(de)(de)生(sheng)(sheng)豬(zhu)(zhu)(zhu)(zhu)養(yang)(yang)(yang)殖(zhi)熱情(qing)(qing)。為了(le)(le)應(ying)對(dui)這些情(qing)(qing)況(kuang)，******也(ye)(ye)做了(le)(le)很多努(nu)力，但是(shi)政策的(de)(de)(de)(de)(de)(de)(de)滯后(hou)性使(shi)得(de)(de)豬(zhu)(zhu)(zhu)(zhu)肉價(jia)(jia)格(ge)(ge)(ge)調(diao)(diao)節效果不顯，豬(zhu)(zhu)(zhu)(zhu)肉價(jia)(jia)格(ge)(ge)(ge)以(yi)(yi)及生(sheng)(sheng)豬(zhu)(zhu)(zhu)(zhu)養(yang)(yang)(yang)殖(zhi)的(de)(de)(de)(de)(de)(de)(de)市場(chang)均衡更多的(de)(de)(de)(de)(de)(de)(de)還是(shi)應(ying)該依(yi)(yi)靠市場(chang)自身的(de)(de)(de)(de)(de)(de)(de)調(diao)(diao)節作用，通過市場(chang)自身的(de)(de)(de)(de)(de)(de)(de)調(diao)(diao)節機(ji)制再加(jia)上******的(de)(de)(de)(de)(de)(de)(de)合理調(diao)(diao)控，才(cai)能使(shi)得(de)(de)市場(chang)趨于穩定。

　　生(sheng)(sheng)(sheng)豬(zhu)(zhu)(zhu)(zhu)(zhu)產(chan)業的(de)這種(zhong)脆弱性(xing)致使(shi)我國生(sheng)(sheng)(sheng)豬(zhu)(zhu)(zhu)(zhu)(zhu)養殖戶亟需一(yi)種(zhong)能夠(gou)轉移分散風險和(he)分攤經濟(ji)損(sun)失的(de)風險管理機(ji)制(zhi)，******為扶持生(sheng)(sheng)(sheng)豬(zhu)(zhu)(zhu)(zhu)(zhu)養殖業發(fa)展(zhan)而提出(chu)的(de)政策(ce)性(xing)生(sheng)(sheng)(sheng)豬(zhu)(zhu)(zhu)(zhu)(zhu)保(bao)險具有(you)這種(zhong)功能。能繁(fan)母豬(zhu)(zhu)(zhu)(zhu)(zhu)保(bao)險也為市場(chang)化機(ji)制(zhi)有(you)效運作提供了很好(hao)的(de)條件。07年******提出(chu)了政策(ce)性(xing)生(sheng)(sheng)(sheng)豬(zhu)(zhu)(zhu)(zhu)(zhu)保(bao)險的(de)政策(ce)，要(yao)求從(cong)發(fa)展(zhan)生(sheng)(sheng)(sheng)豬(zhu)(zhu)(zhu)(zhu)(zhu)保(bao)險和(he)能繁(fan)母豬(zhu)(zhu)(zhu)(zhu)(zhu)保(bao)險、加強疫情防(fang)(fang)控、建立協作機(ji)制(zhi)等(deng)方面對建立和(he)完(wan)善生(sheng)(sheng)(sheng)豬(zhu)(zhu)(zhu)(zhu)(zhu)保(bao)險體(ti)系與防(fang)(fang)災防(fang)(fang)疫相(xiang)結合的(de)機(ji)制(zhi)等(deng)做出(chu)了宏觀部署(shu)，這為增強生(sheng)(sheng)(sheng)豬(zhu)(zhu)(zhu)(zhu)(zhu)養殖戶抵御(yu)重大疫病(bing)和(he)自然災害(hai)等(deng)風險的(de)能力(li)提供了較(jiao)好(hao)的(de)基礎(chu)。然而我國的(de)生(sheng)(sheng)(sheng)豬(zhu)(zhu)(zhu)(zhu)(zhu)保(bao)險業務發(fa)展(zhan)相(xiang)對比較(jiao)緩慢，能夠(gou)提供較(jiao)好(hao)借(jie)鑒的(de)經驗較(jiao)少，使(shi)得在(zai)政策(ce)性(xing)生(sheng)(sheng)(sheng)豬(zhu)(zhu)(zhu)(zhu)(zhu)保(bao)險推(tui)進過程中(zhong)出(chu)現了成本高、定(ding)損(sun)難、賠付率高、參(can)保(bao)意識(shi)低及(ji)逆向選(xuan)擇等(deng)一(yi)系列問(wen)題(ti)，使(shi)得推(tui)廣工作難度加大。

　　生(sheng)(sheng)(sheng)豬(zhu)(zhu)(zhu)保險(xian)政策(ce)對(dui)于養(yang)殖戶(hu)防范風險(xian)，穩定(ding)(ding)收益有著(zhu)積極的(de)(de)(de)(de)作用(yong)，也是發揮市場作用(yong)的(de)(de)(de)(de)有效途徑。同時(shi)生(sheng)(sheng)(sheng)豬(zhu)(zhu)(zhu)養(yang)殖戶(hu)作為生(sheng)(sheng)(sheng)豬(zhu)(zhu)(zhu)保險(xian)和能(neng)(neng)繁(fan)母豬(zhu)(zhu)(zhu)保險(xian)推廣的(de)(de)(de)(de)對(dui)象，其保險(xian)購買意愿(yuan)直(zhi)接(jie)關系到政策(ce)的(de)(de)(de)(de)推廣，因此研(yan)究養(yang)殖戶(hu)對(dui)生(sheng)(sheng)(sheng)豬(zhu)(zhu)(zhu)保險(xian)和能(neng)(neng)繁(fan)母豬(zhu)(zhu)(zhu)保險(xian)的(de)(de)(de)(de)需求就變(bian)得更加(jia)迫切，因此本文希(xi)望(wang)通過對(dui)永定(ding)(ding)縣農(nong)戶(hu)對(dui)能(neng)(neng)繁(fan)母豬(zhu)(zhu)(zhu)保險(xian)情況的(de)(de)(de)(de)調查(cha)，從微觀層面分析農(nong)戶(hu)對(dui)能(neng)(neng)繁(fan)母豬(zhu)(zhu)(zhu)保險(xian)的(de)(de)(de)(de)支付意愿(yuan)及(ji)其影(ying)響因素,能(neng)(neng)夠為永定(ding)(ding)縣生(sheng)(sheng)(sheng)豬(zhu)(zhu)(zhu)保險(xian)體(ti)系的(de)(de)(de)(de)完善以及(ji)生(sheng)(sheng)(sheng)豬(zhu)(zhu)(zhu)養(yang)殖的(de)(de)(de)(de)發展提供一些的(de)(de)(de)(de)借(jie)鑒和合理建議(yi)。

　　2. 國內外(wai)研究現(xian)狀

　　2.1國外的研究研究現狀(zhuang)

　　能繁(fan)母豬(zhu)保險屬(shu)于農業保險范疇，因此需要(yao)(yao)從農業保險的(de)(de)(de)研究現狀出發(fa)尋找生豬(zhu)保險普遍性的(de)(de)(de)特征。自20世紀30年代(dai)國內外的(de)(de)(de)學者就已開始了對農業保險的(de)(de)(de)理論(lun)研究。經過(guo)多(duo)年的(de)(de)(de)發(fa)展(zhan)，各國農業保險的(de)(de)(de)發(fa)展(zhan)經歷了很多(duo)波(bo)折(zhe)(zhe)，******培育競(jing)爭性保險產(chan)業發(fa)展(zhan)的(de)(de)(de)嘗試大部分(fen)都(dou)遇到了挫折(zhe)(zhe)(Gardner和(he)Kramer)，這主要(yao)(yao)源于私(si)人農業保險的(de)(de)(de)市場失(shi)靈。[1]

　　Chambers 、Hyde和(he)Vercammen 、Knight和(he)Coble 等人(ren)認(ren)為(wei), 由于(yu)(yu)農(nong)(nong)業保(bao)險人(ren)的(de)(de)(de)(de)收(shou)益受(shou)制(zhi)于(yu)(yu)被保(bao)險人(ren)的(de)(de)(de)(de)不可(ke)觀測性以及機會(hui)主義行(xing)為(wei), 道德(de)風(feng)(feng)險增加了農(nong)(nong)業保(bao)險的(de)(de)(de)(de)不可(ke)實施性。[2-4]Wright和(he)Hewitt 認(ren)為(wei)農(nong)(nong)戶(hu)運(yun)用其他風(feng)(feng)險管(guan)理(li)方式(多樣化種(zhong)植、收(shou)入(ru)平滑與消(xiao)費平滑等等)分(fen)散風(feng)(feng)險, 這些方式比農(nong)(nong)業保(bao)險分(fen)散風(feng)(feng)險的(de)(de)(de)(de)成本低, 是造(zao)成農(nong)(nong)業保(bao)險市場失靈的(de)(de)(de)(de)主要(yao)原因。。同樣也(ye)說明(ming)，由私人(ren)來承擔農(nong)(nong)業保(bao)險難(nan)以經營(ying)，需要(yao)******部門的(de)(de)(de)(de)直接經營(ying)或者(zhe)間接經營(ying)的(de)(de)(de)(de)。[5]

　　在(zai)(zai)實(shi)施政策性(xing)保(bao)(bao)(bao)(bao)險補(bu)貼(tie)必(bi)要性(xing)研究方(fang)(fang)(fang)面(mian)(mian)，******對(dui)農(nong)(nong)作(zuo)物(wu)保(bao)(bao)(bao)(bao)險市場(chang)干預時, 其(qi)經(jing)濟效率和達(da)到社會(hui)(hui)(hui)公(gong)平性(xing)方(fang)(fang)(fang)面(mian)(mian)的(de)(de)作(zuo)用(yong)(yong)微弱, ******介入農(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)險市場(chang)主(zhu)要在(zai)(zai)于其(qi)社會(hui)(hui)(hui)功能，Hazell 、Nelson和 Loehman 等研究了(le)農(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)險對(dui)農(nong)(nong)業(ye)(ye)(ye)(ye)生產(chan)的(de)(de)影響(xiang)以及對(dui)農(nong)(nong)戶(hu)(hu)(hu)的(de)(de)重要作(zuo)用(yong)(yong)。[6-7]Yamauchi 利用(yong)(yong)日本(ben)HOKUR IKU 地(di)區1953年和AOMOR I PREFECTURE地(di)區1980年農(nong)(nong)作(zuo)物(wu)減(jian)產(chan)的(de)(de)稻谷(gu)保(bao)(bao)(bao)(bao)險數據, 驗證(zheng)了(le)農(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)險對(dui)農(nong)(nong)戶(hu)(hu)(hu)收入的(de)(de)穩定功效。[8]但Mishra 指(zhi)出，由(you)于管(guan)(guan)理費用(yong)(yong)、道德風(feng)險和逆向選(xuan)擇等原因，農(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)險的(de)(de)經(jing)營(ying)成本(ben)比較高，保(bao)(bao)(bao)(bao)險費大于農(nong)(nong)民的(de)(de)風(feng)險管(guan)(guan)理費用(yong)(yong)，如(ru)果******不(bu)提(ti)供(gong)保(bao)(bao)(bao)(bao)費補(bu)貼(tie)，農(nong)(nong)場(chang)主(zhu)投保(bao)(bao)(bao)(bao)可能就不(bu)劃算(suan)。[9]另外，由(you)于農(nong)(nong)業(ye)(ye)(ye)(ye)和非農(nong)(nong)業(ye)(ye)(ye)(ye)部(bu)門之間存(cun)在(zai)(zai)緊密(mi)聯系(xi)，非農(nong)(nong)業(ye)(ye)(ye)(ye)部(bu)門也會(hui)(hui)(hui)獲得(de)福(fu)利收益(yi)，即農(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)險所帶(dai)來的(de)(de)***終(zhong)利益(yi)是(shi)外在(zai)(zai)的(de)(de)一全(quan)社會(hui)(hui)(hui)的(de)(de)，其(qi)產(chan)品具有(you)大部(bu)分公(gong)共產(chan)品的(de)(de)特征，******的(de)(de)直(zhi)接經(jing)營(ying)或大量補(bu)貼(tie)是(shi)農(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)險發展的(de)(de)必(bi)要條件。但也有(you)不(bu)同的(de)(de)觀點, Siamwalla和Valdes 認(ren)為(wei)******不(bu)應該補(bu)貼(tie)農(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)險, 理由(you)是(shi)補(bu)貼(tie)不(bu)符合成本(ben)收益(yi)分析。[10]Wright和Hewitt 認(ren)為(wei)如(ru)果農(nong)(nong)戶(hu)(hu)(hu)普遍接受(shou)******提(ti)供(gong)補(bu)貼(tie)的(de)(de)農(nong)(nong)作(zuo)物(wu)保(bao)(bao)(bao)(bao)險，該保(bao)(bao)(bao)(bao)險將會(hui)(hui)(hui)把其(qi)他的(de)(de)風(feng)險管(guan)(guan)理方(fang)(fang)(fang)式排擠(ji)掉，從而加(jia)大農(nong)(nong)戶(hu)(hu)(hu)受(shou)風(feng)險影響(xiang)的(de)(de)程(cheng)度，導致人們(men)更加(jia)依賴(lai)這種有(you)******補(bu)貼(tie)的(de)(de)農(nong)(nong)作(zuo)物(wu)保(bao)(bao)(bao)(bao)險。[5]

　　在農戶保(bao)險(xian)(xian)(xian)需(xu)求影響(xiang)因素研究(jiu)方面(mian)，Neumann和Morgenstern 的期望效(xiao)用(yong)******化(hua)理(li)論(lun)為保(bao)險(xian)(xian)(xian)需(xu)求研究(jiu)提供了理(li)論(lun)依據。[11]Peter Hazell，Carlos Pomareda and AlbertoValdes 認為農戶對農作物保(bao)險(xian)(xian)(xian)的需(xu)求取(qu)決于(yu)期望收入、收入的變(bian)動程度(du)及農戶的風(feng)險(xian)(xian)(xian)規避系數。[12]Arrow 認為只有當購買保(bao)險(xian)(xian)(xian)的效(xiao)用(yong)水平高于(yu)未購買保(bao)險(xian)(xian)(xian)的效(xiao)用(yong)水平時, 消費者才(cai)會選擇購買保(bao)險(xian)(xian)(xian)。當保(bao)險(xian)(xian)(xian)費高到一定程度(du)時, 由于(yu)風(feng)險(xian)(xian)(xian)規避意識所導(dao)致的效(xiao)用(yong)升******應(ying)喪失, 就(jiu)會出現消費者不參加(jia)保(bao)險(xian)(xian)(xian)的情況。[13]Saleem Shaik，Keith H．Coble和Thomas O．Knight 認為影響(xiang)著農戶的保(bao)險(xian)(xian)(xian)購買決策因素包括(kuo)初(chu)始財富、風(feng)險(xian)(xian)(xian)規避系數、產(chan)量均值、產(chan)量標準差、風(feng)險(xian)(xian)(xian)發(fa)生概率、灌溉比率、以(yi)及選擇購買收入保(bao)險(xian)(xian)(xian)而非(fei)數量保(bao)險(xian)(xian)(xian)的決策等(deng)。[14]

　　2．2國內的(de)研(yan)究現狀

　　我國******有記(ji)載的農(nong)(nong)業(ye)保(bao)(bao)險試驗是在(zai)1934年(nian)，以王世穎(ying)、黃(huang)公安為(wei)代表的農(nong)(nong)業(ye)經濟學家對當(dang)時國外農(nong)(nong)業(ye)保(bao)(bao)險的運作制度進(jin)行(xing)了研究(jiu),結合當(dang)時中(zhong)國的實際情況, 對中(zhong)國農(nong)(nong)業(ye)保(bao)(bao)險的實施意義及模式等方面進(jin)行(xing)了較為(wei)深入(ru)(ru)的研究(jiu)。然而, 農(nong)(nong)業(ye)保(bao)(bao)險在(zai)1980 年(nian)代以前的研究(jiu)由(you)于各種(zhong)原因(yin)而進(jin)展緩慢, 直到(dao)1982年(nian), 中(zhong)國人民保(bao)(bao)險公司重新開辦農(nong)(nong)業(ye)保(bao)(bao)險業(ye)務之后, 經濟理論界(jie)對各種(zhong)農(nong)(nong)業(ye)保(bao)(bao)險理論問題進(jin)行(xing)了深入(ru)(ru)研究(jiu).

　　改(gai)革開放以后，郭曉航 ******提出農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)是(shi)政策性(xing)(xing)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)，但(dan)當時(shi)農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)實行(xing)純商業(ye)(ye)(ye)(ye)化(hua)運作方式，此(ci)觀點(dian)并未引起保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)業(ye)(ye)(ye)(ye)界和(he)(he)******的(de)足(zu)(zu)夠重(zhong)(zhong)視。[15]隨著國(guo)外(wai)農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)發(fa)展模式及(ji)研(yan)究(jiu)成(cheng)果被陸續(xu)引入我(wo)國(guo)，國(guo)內受到(dao)商業(ye)(ye)(ye)(ye)化(hua)模式下(xia)農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)經(jing)歷了(le)連續(xu)的(de)經(jing)營虧損甚(shen)至萎縮，農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)區別于(yu)一(yi)般商業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)屬(shu)性(xing)(xing)問題的(de)研(yan)究(jiu)也逐(zhu)漸增多和(he)(he)深入。涉及(ji)的(de)主要內容包括：在(zai)農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)屬(shu)性(xing)(xing)及(ji)性(xing)(xing)質的(de)論述方面，李(li)*** 認(ren)為農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)屬(shu)于(yu)準公(gong)(gong)共物(wu)品，******可以通過稅收、制定(ding)專門(men)立法以及(ji)******自行(xing)供(gong)應等(deng)辦法糾正公(gong)(gong)共物(wu)品及(ji)準公(gong)(gong)共物(wu)品的(de)供(gong)應失(shi)靈；[16]劉(liu)京生 從(cong)商品性(xing)(xing)和(he)(he)非商品性(xing)(xing)的(de)角度出發(fa), 提出農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)既是(shi)基(ji)(ji)礎產業(ye)(ye)(ye)(ye)又是(shi)弱(ruo)質產業(ye)(ye)(ye)(ye)的(de)現實決(jue)定(ding)了(le)農(nong)(nong)(nong)(nong)民的(de)產出效益同社會效益是(shi)緊密聯系在(zai)一(yi)起的(de), 基(ji)(ji)于(yu)此(ci), 農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)應具(ju)有商品和(he)(he)非商品兩(liang)重(zhong)(zhong)屬(shu)性(xing)(xing)；[17]庹國(guo)柱和(he)(he)王國(guo)*** 運用經(jing)濟學(xue)理論分析農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)性(xing)(xing)質, 認(ren)為農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)在(zai)直接消費(fei)上具(ju)有排他性(xing)(xing), 在(zai)間接消費(fei)環節(jie)具(ju)有非排他性(xing)(xing), 因(yin)而(er)是(shi)介于(yu)私人(ren)物(wu)品和(he)(he)公(gong)(gong)共物(wu)品之間的(de)一(yi)種物(wu)品, 結(jie)論是(shi)農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)只能采取政策性(xing)(xing)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)；[18]馮文麗(li) 從(cong)福(fu)利(li)經(jing)濟學(xue)角度分析我(wo)國(guo)農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)，認(ren)為農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)在(zai)供(gong)給(gei)和(he)(he)需求兩(liang)方面都存在(zai)正外(wai)部性(xing)(xing)。[19]同樣，高彥彬 認(ren)為我(wo)國(guo)農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)供(gong)給(gei)和(he)(he)需求均不足(zu)(zu)、市場處于(yu)失(shi)靈狀態的(de)根本原(yuan)因(yin)在(zai)于(yu)農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)雙重(zhong)(zhong)外(wai)部性(xing)(xing)和(he)(he)準公(gong)(gong)共產品特性(xing)(xing)，商業(ye)(ye)(ye)(ye)性(xing)(xing)經(jing)營難以成(cheng)功運作。[20]黎已銘 從(cong)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)學(xue)原(yuan)理出發(fa),認(ren)為農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)不符(fu)合(he)理想的(de)可保(bao)(bao)(bao)(bao)(bao)(bao)風險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)條件(jian), 農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)弱(ruo)質性(xing)(xing)使農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)商業(ye)(ye)(ye)(ye)化(hua)經(jing)營陷入困境, 因(yin)此(ci)對于(yu)農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)應實行(xing)政策性(xing)(xing)補貼。[21]

　　在(zai)農(nong)(nong)業(ye)保險(xian)發(fa)(fa)展(zhan)(zhan)模式及道路的(de)探索(suo)方(fang)面，郭永利 在(zai)總結各國(guo)農(nong)(nong)業(ye)保險(xian)經驗的(de)基礎上，認為我圍(wei)農(nong)(nong)業(ye)保險(xian)的(de)發(fa)(fa)展(zhan)(zhan)，要建立在(zai)各級******的(de)領導下，走農(nong)(nong)民互助(zhu)合(he)作(zuo)為基礎，******性農(nong)(nong)業(ye)保險(xian)機構辦(ban)理業(ye)務(wu)的(de)道路。[22]除此之外國(guo)內的(de)的(de)學者還認為******主辦(ban)模式、共濟合(he)作(zuo)模式、分(fen)散經營模式三(san)(san)種經營農(nong)(nong)險(xian)的(de)模式。以及在(zai)農(nong)(nong)業(ye)保險(xian)發(fa)(fa)展(zhan)(zhan)中采取“三(san)(san)階段(duan)推進戰略’’。

　　在(zai)農民(min)的(de)風(feng)險偏好(hao)分析(xi)方面，庹國柱、王國***等 認為(wei)對(dui)農業保險的(de)需求較(jiao)低主要(yao)是因為(wei)農民(min)一(yi)般不是風(feng)險規(gui)避者，[18]但顧海英、史(shi)清華、張躍(yue)華等 則認為(wei)在(zai)收(shou)入較(jiao)低情況下，風(feng)險的(de)規(gui)避程(cheng)度(du)較(jiao)低，在(zai)收(shou)入到達一(yi)定水平前，隨(sui)著收(shou)入的(de)不斷增加，其對(dui)風(feng)險的(de)規(gui)避意識會不斷提高(gao)。[23]

　　在制約農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)需(xu)(xu)(xu)(xu)求和(he)(he)購買(mai)決(jue)策方(fang)(fang)面，劉寬(kuan) 認(ren)為農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)發展(zhan)(zhan)水(shui)平(ping)低下以及農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)損失(shi)率高導致保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)費昂(ang)貴(gui)與農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)民(min)(min)收(shou)(shou)入(ru)低的(de)(de)(de)(de)(de)(de)(de)(de)矛盾是(shi)(shi)制約著農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)民(min)(min)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)需(xu)(xu)(xu)(xu)求。[24]熊***紅、浦成毅、對(dui)(dui)(dui)(dui)(dui)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)民(min)(min)收(shou)(shou)入(ru)與農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)需(xu)(xu)(xu)(xu)求關(guan)系進行(xing)(xing)了實(shi)證(zheng)分(fen)析(xi)，發現(xian)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)民(min)(min)貨幣收(shou)(shou)入(ru)是(shi)(shi)制約農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)需(xu)(xu)(xu)(xu)求的(de)(de)(de)(de)(de)(de)(de)(de)主要因(yin)(yin)素(su)。[25]胡文(wen)忠、楊汭華、選(xuan)取順(shun)義、平(ping)谷和(he)(he)密云(yun)(yun)3 個(ge)典(dian)型(xing)區(qu)縣(xian)開展(zhan)(zhan)調(diao)研，研究結(jie)(jie)果(guo)表明： 生(sheng)豬(zhu)養(yang)(yang)殖(zhi)規(gui)模(mo)、生(sheng)豬(zhu)養(yang)(yang)殖(zhi)收(shou)(shou)入(ru)占(zhan)總收(shou)(shou)入(ru)的(de)(de)(de)(de)(de)(de)(de)(de)比(bi)重(zhong)以及保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)認(ren)知是(shi)(shi)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)生(sheng)豬(zhu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)需(xu)(xu)(xu)(xu)求決(jue)策的(de)(de)(de)(de)(de)(de)(de)(de)影(ying)(ying)(ying)(ying)響(xiang)(xiang)因(yin)(yin)素(su)。[26]陳妍，凌遠(yuan)云(yun)(yun)，陳澤育等(deng)(deng)、通過(guo)分(fen)析(xi)武漢市(shi)和(he)(he)興山縣(xian)100個(ge)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)的(de)(de)(de)(de)(de)(de)(de)(de)調(diao)查資(zi)料(liao)，得出顯(xian)著影(ying)(ying)(ying)(ying)響(xiang)(xiang)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)民(min)(min)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)因(yin)(yin)素(su)主要有農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)的(de)(de)(de)(de)(de)(de)(de)(de)家庭(ting)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)收(shou)(shou)入(ru)、耕地(di)(di)面積及受訪(fang)者的(de)(de)(de)(de)(de)(de)(de)(de)受教(jiao)育年(nian)限(xian)和(he)(he)務農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)年(nian)限(xian)。[27]黃(huang)椿吳(wu)聲怡、對(dui)(dui)(dui)(dui)(dui)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)意(yi)(yi)愿情況進行(xing)(xing)研究和(he)(he)實(shi)證(zheng)分(fen)析(xi)，了解相關(guan)因(yin)(yin)素(su)對(dui)(dui)(dui)(dui)(dui)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)意(yi)(yi)愿的(de)(de)(de)(de)(de)(de)(de)(de)影(ying)(ying)(ying)(ying)響(xiang)(xiang)程(cheng)(cheng)度(du)(du)。隨(sui)機對(dui)(dui)(dui)(dui)(dui)福建(jian)省(sheng)481 份農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)進行(xing)(xing)問卷(juan)調(diao)查，并對(dui)(dui)(dui)(dui)(dui)數(shu)據進行(xing)(xing)logistic回歸處理(li)。結(jie)(jie)果(guo)顯(xian)示:文(wen)化(hua)水(shui)平(ping)、養(yang)(yang)殖(zhi)效益、受周邊人的(de)(de)(de)(de)(de)(de)(de)(de)影(ying)(ying)(ying)(ying)響(xiang)(xiang)這3 個(ge)因(yin)(yin)素(su)對(dui)(dui)(dui)(dui)(dui)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)意(yi)(yi)愿有顯(xian)著影(ying)(ying)(ying)(ying)響(xiang)(xiang)，養(yang)(yang)殖(zhi)年(nian)限(xian)、存(cun)欄(lan)數(shu)、養(yang)(yang)殖(zhi)投(tou)入(ru)程(cheng)(cheng)度(du)(du)、投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)便(bian)利(li)程(cheng)(cheng)度(du)(du)、對(dui)(dui)(dui)(dui)(dui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)公司的(de)(de)(de)(de)(de)(de)(de)(de)看(kan)法、是(shi)(shi)否曾獲得保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)公司賠(pei)付等(deng)(deng)6 個(ge)變量對(dui)(dui)(dui)(dui)(dui)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)意(yi)(yi)愿影(ying)(ying)(ying)(ying)響(xiang)(xiang)不大。[28]陳林艷、 從(cong)江蘇(su)省(sheng)10個(ge)地(di)(di)區(qu)獲得的(de)(de)(de)(de)(de)(de)(de)(de)抽樣調(diao)查數(shu)據, 分(fen)析(xi)江蘇(su)省(sheng)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)對(dui)(dui)(dui)(dui)(dui)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)認(ren)知程(cheng)(cheng)度(du)(du)和(he)(he)投(tou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)意(yi)(yi)愿, 并對(dui)(dui)(dui)(dui)(dui)影(ying)(ying)(ying)(ying)響(xiang)(xiang)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)參(can)加農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)各(ge)個(ge)因(yin)(yin)素(su)進行(xing)(xing)研究。研究表明, 農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)對(dui)(dui)(dui)(dui)(dui)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)需(xu)(xu)(xu)(xu)求主要受個(ge)人承(cheng)擔保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)費的(de)(de)(de)(de)(de)(de)(de)(de)水(shui)平(ping)、家庭(ting)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)生(sheng)產勞動(dong)人口數(shu)、農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)風(feng)險(xian)(xian)(xian)(xian)(xian)(xian)造成的(de)(de)(de)(de)(de)(de)(de)(de)損失(shi)程(cheng)(cheng)度(du)(du)、農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)民(min)(min)受教(jiao)育程(cheng)(cheng)度(du)(du)、農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)生(sheng)產收(shou)(shou)入(ru)占(zhan)家庭(ting)總收(shou)(shou)入(ru)的(de)(de)(de)(de)(de)(de)(de)(de)比(bi)重(zhong)以及農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)產量保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)障水(shui)平(ping)等(deng)(deng)因(yin)(yin)素(su)的(de)(de)(de)(de)(de)(de)(de)(de)影(ying)(ying)(ying)(ying)響(xiang)(xiang)。 [29]方(fang)(fang)伶俐、根據湖(hu)北省(sheng)376戶(hu)(hu)(hu)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)調(diao)查資(zi)料(liao), 對(dui)(dui)(dui)(dui)(dui)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)的(de)(de)(de)(de)(de)(de)(de)(de)風(feng)險(xian)(xian)(xian)(xian)(xian)(xian)態度(du)(du)、風(feng)險(xian)(xian)(xian)(xian)(xian)(xian)分(fen)散(san)方(fang)(fang)式及農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)在各(ge)種農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)中(zhong)的(de)(de)(de)(de)(de)(de)(de)(de)排(pai)序等(deng)(deng)進行(xing)(xing)實(shi)證(zheng)分(fen)析(xi)。研究表明, 農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)的(de)(de)(de)(de)(de)(de)(de)(de)風(feng)險(xian)(xian)(xian)(xian)(xian)(xian)態度(du)(du)、傳統的(de)(de)(de)(de)(de)(de)(de)(de)風(feng)險(xian)(xian)(xian)(xian)(xian)(xian)分(fen)散(san)方(fang)(fang)式及農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)在各(ge)種農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)村(cun)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)中(zhong)排(pai)序靠(kao)后等(deng)(deng)因(yin)(yin)素(su)對(dui)(dui)(dui)(dui)(dui)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)需(xu)(xu)(xu)(xu)求有消(xiao)極影(ying)(ying)(ying)(ying)響(xiang)(xiang)。[30]

　　3. 研(yan)究存在的(de)問題

　　綜合國內(nei)外(wai)研(yan)究成果(guo)可(ke)以發現，農(nong)業(ye)保(bao)險(xian)(xian)(xian)有效(xiao)需求是成功開(kai)展農(nong)業(ye)保(bao)險(xian)(xian)(xian)的(de)(de)(de)關鍵。而目前國內(nei)從農(nong)戶(hu)(hu)角度研(yan)究農(nong)業(ye)保(bao)險(xian)(xian)(xian)購(gou)買決策的(de)(de)(de)實證分(fen)析(xi)，主要(yao)是以種植業(ye)保(bao)險(xian)(xian)(xian)為研(yan)究對象，而政策性生(sheng)豬(zhu)保(bao)險(xian)(xian)(xian)養殖(zhi)戶(hu)(hu)的(de)(de)(de)購(gou)買意(yi)愿的(de)(de)(de)分(fen)析(xi)還比較少。 因(yin)此本文通過養殖(zhi)戶(hu)(hu)對能(neng)繁母豬(zhu)保(bao)險(xian)(xian)(xian)購(gou)買意(yi)愿的(de)(de)(de)調查分(fen)析(xi)，結合影(ying)響(xiang)養殖(zhi)戶(hu)(hu)能(neng)繁母豬(zhu)保(bao)險(xian)(xian)(xian)購(gou)買意(yi)愿的(de)(de)(de)因(yin)素，提出一些促進能(neng)繁母豬(zhu)保(bao)險(xian)(xian)(xian)的(de)(de)(de)工作推廣(guang)的(de)(de)(de)建議。