The purpose of this study is to investigate the determinants of agricultural insurance adoption by farmers of the state of Sao Paulo, Brazil.,Primary data from the 2015/2016 crop season was collected from a sample of 175 farmers. Logit econometric models were applied to identify the variables that affect the probability of agricultural insurance adoption.,The empirical results show that the education level, access to technical assistance, use of management tools and farm size positively affect the probability of adopting agricultural insurance. In addition, farmers who produce soybean and/or corn are more likely to use insurance. On the other hand, the higher the farmers’ propensity to take risk the lower the likelihood of using insurance.,The empirical analysis is based on cross-sectional data of a sample of 175 farmers of the state of Sao Paulo. The use of panel data with a larger sample of farmers, considering a period of years, could provide additional information.,To the best of the knowledge, this is the first empirical analysis about determinants of agricultural insurance adoption by Brazilian farmers, considering behavioral factors. The findings provide useful insights for policymakers in formulating risk management programs in the Brazilian agricultural markets. A better understanding about the determinants of insurance adoption is also relevant for private companies that sell insurance to farmers. Therefore, the paper may contribute with the diffusion of rural insurance as risk management tool in Brazilian agriculture.

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采用农业保险的决定因素：来自巴西圣保罗州农民的证据

本研究的目的是调查巴西圣保罗州农民采用农业保险的决定因素。2015/2016 作物季节的原始数据是从 175 名农民的样本中收集的。应用Logit计量经济学模型识别影响农业保险采用概率的变量。实证结果表明，教育水平、技术援助的获取、管理工具的使用和农场规模对采用农业保险的概率有正向影响。此外，生产大豆和/或玉米的农民更有可能使用保险。另一方面,农民承担风险的倾向越高,使用保险的可能性就越低。,实证分析基于圣保罗州175名农民样本的横截面数据。使用具有更大农民样本的面板数据，考虑到一个时期，可以提供额外的信息。据所知，这是第一次关于巴西农民采用农业保险的决定因素的实证分析，考虑了行为因素. 研究结果为政策制定者在巴西农业市场制定风险管理计划提供了有用的见解。更好地了解保险采用的决定因素对于向农民出售保险的私营公司也很重要。因此，本文可能有助于农村保险作为巴西农业风险管理工具的普及。这是第一个关于巴西农民采用农业保险决定因素的实证分析，考虑了行为因素。研究结果为政策制定者在巴西农业市场制定风险管理计划提供了有用的见解。更好地了解保险采用的决定因素对于向农民出售保险的私营公司也很重要。因此，本文可能有助于农村保险作为巴西农业风险管理工具的普及。这是第一个关于巴西农民采用农业保险决定因素的实证分析，考虑了行为因素。研究结果为政策制定者在巴西农业市场制定风险管理计划提供了有用的见解。更好地了解保险采用的决定因素对于向农民出售保险的私营公司也很重要。因此，本文可能有助于农村保险作为巴西农业风险管理工具的普及。更好地了解保险采用的决定因素对于向农民出售保险的私营公司也很重要。因此，本文可能有助于农村保险作为巴西农业风险管理工具的普及。更好地了解保险采用的决定因素对于向农民出售保险的私营公司也很重要。因此，本文可能有助于农村保险作为巴西农业风险管理工具的普及。