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英文文献：Factors Affecting Crop Insurance Purchase Decisions in Northern Illinois-伊利诺斯州北部影响购买农作物保险决定的因素
英文文献作者：Ginder, Matthew G.,Spaulding, Aslihan D.
英文文献摘要：
When making crop insurance purchase decisions, farmers must consider multiple factors. This paper examines such factors through the use of a survey conducted in a 42 county region of Northern Illinois during 2005. Participants were asked who most influenced their crop insurance purchase decision and if the availability of a Premium Discount Plan (PDP) affected their decision. Respondents indicated that they generally made crop insurance purchase decisions independently, and that the availability of a PDP influenced about 25% of the decisions made. Questions about the importance of ten specific purchase factors were also asked in two distinct groups of five factors each. In one group of factors, price of the insurance was found to be more important than the probability of receiving a claim payment. The other group of factors revealed that government subsidization of premium and weather concerns were highly important to survey participants. Results have also been summarized according to the risk attitude of respondents. Crop insurance participation, plan and coverage level, and other demographic data were collected as well. Further analysis will be conducted to determine relationships between purchase decision factors and the characteristics of the respondents.
在做出购买作物保险的决定时，农民必须考虑多种因素。本文通过使用2005年在伊利诺斯州北部42个县进行的调查来检验这些因素。参与者被问及谁对他们购买作物保险的决定影响最大，保险费折扣计划(PDP)是否影响他们的决定。受访者表示，他们通常独立地做出购买作物保险的决策，PDP的可用性影响了大约25%的决策。关于十个特定购买因素的重要性的问题也被分为两个不同的组，每个组有五个因素。在一组因素中，保险价格被发现比收到索赔付款的概率更重要。另一组因素显示，政府补贴的保费和天气担忧是非常重要的调查参与者。结果也根据受访者的风险态度进行了总结。还收集了农作物保险参与情况、计划和覆盖率水平以及其他人口数据。进一步的分析将被用来确定购买决策因素和被调查者的特征之间的关系。
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