基于海南省634份农户调查数据，采用Triple-Hurdle模型实证分析了互联网应用对农户政策性农业保险购买意愿、行为和力度的影响，并检验了互联网应用通过信息渠道、重要性认知和风险规避等影响农户政策性农业保险购买的作用机制。研究发现：互联网应用对农户政策性农业保险购买意愿、行为和力度均具有显著的正向影响；互联网应用能够通过拓宽信息获取渠道、增强风险规避、提高保险重要性认知等路径对农户政策性农业保险购买的不同阶段产生影响；对于户主年龄阶段、技术推广接受情况及兼业特征不同的农户，互联网应用对其政策性农业保险购买行为和力度的影响存在差异性。

Based on the survey data of 634 farmer households in Hainan Province, the impact of internet application on the willingness, behavior, and degree of farmers’ purchase of agricultural insurance has been analyzed by adopting the Triple-Hurdle model, and the influence of internet application on the effect mechanism of farmers’ purchase of policy-supported agricultural insurance has been examined through information channels, importance perception and risk aversion. The study shows that internet application has a significant positive effect on farmers’ willingness, behavior and intensity of farmers’ agricultural insurance purchase. Internet application can influence the different stages of farmer’ agricultural insurance purchase through widening information acquisition channels, enhancing risk aversion and improving insurance importance perception. For farmers of different age groups, with different acceptance of technology promotion and with different part-time works, there are differences in the effect of Internet applications on agricultural insurance purchasing behavior and intensity.

国家自然科学基金项目(72003054，721030 52)；教育部人文社会科学基金项目(19XJC790011) ；海南省教育厅2021年创新科研课题基金项目(Qhys2021-93)