以陕西杨凌国家级现代农业示范园区内的22个行政村223份入户、入棚调查问卷为样本,采用结构方程模型研究农户采用农业保险行为的影响因素。研究结果表明:农户采用农业保险行为是一个受自身内在因素与外部环境因素相互作用的决策过程,如农户基本特征、农户认知特征、自然灾害特征、保险公司经营管理特征、政策环境特征等5个潜在变量对农户采用农业保险行为都具有显著性的影响,并呈现出明显的差异性特征,即保险公司经营管理特征 > 政策环境特征 > 农户认知特征 > 农户基本特征 > 自然灾害特征。

China has formed a unique model of policy agricultural insurance in the practice of agricultural insurance. Its essence is an institutional arrangement of "government financial subsidies + business operations of insurance companies + farmers voluntarily insured". Its fundamental attribute is a people-benefit project in order to increase investment in agriculture, reinforce the agricultural industry, and enhance the ability to resist risks. It can be concluded from the current situation and the trend in the future of the agricultural insurance that farmers' adoption of agricultural insurance will constantly be a worthy issue about the three-agriculture issue in the future, and the cognition of restricting factors in farmers' adoption of agricultural insurance will directly influence or even determine the direction of national agricultural insurance policy and the support force. Farms are micro-economic units in Chinese farming areas and behavioral agents who adopt agricultural insurance. Taking 223 households questionnaires of 22 administrative villages in Yangling national modern agricultural demonstration park of Shaanxi province as samples, this paper analyzes the influencing factors of farmers' adoption of agricultural insurance on the basis of the structural equation model, explores the underlying mechanism of decision-making behavior which inducing farmers to adopt agricultural insurance, and provides the basis for urging agricultural insurance to be farmer-demand-driven.