基于Oaxaca-Blinder分解的异质性农户天气指数保险需求差异分析  

Analysis of Heterogeneous Farmers' Demand for Weather Index Based on Oaxaca-Blinder Decomposition

作　　者：汤颖梅 杨月 刘荣茂 葛继红[2] TANG Ying-mei;YANG Yue;LIU Rong-mao;GE Ji-hong(College of Finance;College of Economics and Management,Nanjing Agricultural University,Nanjing 210095,China)

机构地区：[1]南京农业大学金融学院,江苏南京210095 [2]南京农业大学经济管理学院,江苏南京210095

出　　处：《经济问题》2018年第8期90-97,共8页On Economic Problems

基　　金：国家自然科学基金面上项目"天气指数保险需求及其对农户行为影响研究"(71573129);教育部人文社会科学研究青年基金项目(11YJC790163);南京农业大学中央高校基本科研业务费人文社会科学基金项目(SKCX2-015011;SKJD2014001)

摘　　要：利用黑龙江省同江市农户调查数据,采用Oaxaca-Blinder分解方法从主体异质性视角实证分析了新型农业经营主体与传统农户对天气指数保险需求的差异及主要影响因素。差异分解的结果显示:两类经营主体对天气指数保险需求存在显著差异,新型农业经营主体对天气指数保险的需求均值为0.661,比传统农户高0.258个百分点。差异中贡献较大的因素是土地经营规模、户主受教育程度及对本地天气的关注程度,而家庭贷款情况、年龄及购买农业保险的经历是降低天气指数保险需求的主要因素。Based on the survey data of households in Tongjiang City of Heilongjiang Province,Blind-Oaxaca decomposition method was used to analyze the differences and main influencing factors of the new agricultural enterprises and the traditional farmers＇ demand for weather index insurance from the perspective of subject heterogeneity. The results of differential decomposition show that there are significant differences between the two groups in the demand for weather index insurance. The new agricultural enterprises ＇ demand for weather index insurance is 0. 661,which is 0. 258 percentage points higher than that of traditional farmers. The factors that contribute to the differences are the land scale,educational experience of the housemaster and the concern to the local weather. The family loans,age of the housemaster and the purchase of agricultural insurance are the main factors that reduce the demand for weather index insurance.

关 键 词：异质性农户 新型经营主体 天气指数保险需求 OAXACA-BLINDER分解 

分 类 号：F840.66[经济管理—保险]