### 畑作物共済引受率の地域間格差とその要因 : 十勝を事例として

*津久井, 寛*

Permalink : http://hdl.handle.net/2115/62904

#### Abstract

The major factors to explain why farmers decide to participate in the insurance program for upland crops are investigated. The ratio of participation depends considerably on the ratio of damages from agricultural disasters and the rate of the premium. But it's not well explained by these factors. In taking the field investigations into consideration, it turns out that the ratio of participation is thrown into confusion by the organizational activities and the comprehensive crop insurance system. We then draw a figure that shows the relation between the change rate of the ratio of participation and the ratio of damages since 1984. It appears that cities, towns, and villages are divided into two groups. Then a regression analysis, using a dummy variable that shows the gaps among the regions, is carried out. Consequently, the relationship between these factors and the ratio of participation shows the farmers' reasonable demand for insurance. In addition, two points are indicated about the regional dummy variable. First, the group A consists of the areas between the coastal regions and covers most of the bean growing areas. It shows that the higher the ratio of damages, the less the influence by the comprehensive crop insurance system. Simultaneously, it shows that the farmers obviously behave in response to the level of risk, regardless of the strength or the weakness of the organizational activities. Secondly, the influences of the organizational activities are reflected in the amplitude of the ratio of participation and the index formed by the ratio of participation divided by the ratio of damages. As a result of the regression analysis these factors are found to be predictor variables, and the regional dummy shows that the a priori assumption was reasonable.

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