耕地规模、农业保险认知及其潜在需求的多样化——基于全国6492个粮食种植户的考察  

Cultivated Land Scale, Cognition of Agricultural Insurance and Diversification of Potential Demand of Agricultural Insurance Products——Based on the Survey of 6492 Grain Growers in China

作　　者：晁娜娜[1] 杨汭华[1] Chao Nana1 Yang Ruihua2

机构地区：[1]中国农业大学经济管理学院

出　　处：《财经科学》2017年第5期67-79,共13页Finance & Economics

基　　金：国家自然科学基金"农业规模化经营进程中的农作物收入保险需求及应对机制研究"(71473252)

摘　　要：利用中国保监会采集的全国农业保险需求数据(2013-2014),采用有序选择模型,检验了耕地规模变化对农业保险产品形态需求的影响效应。研究结果表明,粮食种植户以自然风险管理为重,并且表现出依次对保成本、保产量、保价格和保收入的购买意愿存在排序效应。在不同种植规模下,保成本的边际需求效应最大,其次是保产量,其他两种为负。在不同区域中,粮食主产区粮食种植户更倾向于保产量意愿,粮食主销区粮食种植户则更倾向于保收入意愿。因此,建议推进农业保险制度建设,重点完善物化成本保险,分区域有重点地引导保产量和保收入,满足不同规模、不同区域粮食种植户管理风险的需要。Employing the survey data of the national agricultural insurance demand collected by China Insurance Regulatory Commission from 2013 to 2014,this paper used Ologit model to test the influential effect of different farming scale on agricultural insurance.Theresults show that, grain growers pay more attention to the natural risk management, and ordering effect is exist in the purchase intention of cost insurance,yield insurance,price insurance, revenue insurance. Under the different planting scale, the marginal demand effect of cost insurance is the biggest, the second is yield insurance, the other two are negative. In different regions, farmers in major grain producing area are more inclined to yield insurance, but farmers in major selling area are more inclined to revenue insurance. Therefore, in order to meet the needs of different scale and regional grain growers to manage the risk, it is recommended to promote the construction of agricultural insurance system, focus on improving the cost insurance and guide yield insurance and revenue insurance in different areas.

关 键 词：耕地规模化 粮食种植 农业保险产品需求 有序选择模型 

分 类 号：F323.211[经济管理—产业经济] F326.11F842.66