茶叶种植者购买种植保险的决定因素:SEM分析
Zhenhua Xu1, Nuttawut Rojniruttikul1
1KMITL Business School, King Mongkut's Institute of Technology Ladkrabang.
PloS one
|May 9, 2025
概括
政府的支持和风险感知积极影响茶叶种植者对种植保险的感知价值. 加强政策宣传和指导可以促进对更好的农业保护的保险采用.
科学领域:
- 农业经济学 农业经济学
- 行为经济学是一种行为经济学.
- 风险管理 风险管理
背景情况:
- 茶叶种植者面临重大风险,因此作物保险对金融稳定至关重要.
- 了解影响保险采用的因素对于有效的农业政策至关重要.
- 政府的支持和风险感知是农民决策的关键决定因素.
研究的目的:
- 调查政府支持和风险认知对茶叶种植者的购买行为对种植保险的影响.
- 检查这种关系中感知价值和环境关注的调解作用.
- 为提高茶叶种植保险在茶叶种植者中的普及提供见解.
主要方法:
- 从中国贵州省的550个茶叶种植者收集的数据,采用结构化问卷.
- 用于数据分析的确认因素分析 (CFA) 和结构方程建模 (SEM).
- 用于统计建模的AMOS 28.0软件.
主要成果:
- 政府的支持显著和积极地影响了种植保险的感知价值.
- 风险认知也对种植保险的感知价值产生了重大和积极的影响.
- 感知价值在政府支持/风险认知和保险购买行为之间的关系中起到调解作用.
结论:
- 政府的支持和风险认知是增加种植保险感知价值的关键驱动因素.
- 政府机构的政策宣传和商业指导可以提高保险的采用率.
- 提高农民对保险价值的理解,是维护农业利益的关键.
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