“银保互动”能否促进农户技术采用?——基于田野实验的实证分析  

Can Inter-linked Index Insurance and Credit Contract Promote Farmers’ Technology Adoption? Evidence from a Field Experiment

作　　者：汤颖梅[1] 杨月 葛继红[3] Tang Yingmei;Yang Yue;Ge Jihong

机构地区：[1]南京农业大学中国粮食安全研究中心 [2]南京农业大学金融学院 [3]南京农业大学经济与管理学院

出　　处：《中国农村经济》2019年第1期127-142,共16页Chinese Rural Economy

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"(项目号:71573129);南京农业大学中央高校基本科研业务费人文社科基金(项目号:SKCX2015011);江苏省高校优势学科建设工程项目(PAPD)的阶段性研究成果

摘　　要：本文以黑龙江与江苏省的572个农户为样本,采用田野实验方法获取农户在不同情境下技术选择的动态数据,实证分析了"银保互动"对农户技术采用的影响。研究发现:"银保互动"产品有助于分散自然风险、缓解农户面临的信贷配给,能够有效促进农户对新技术的选择;农户的风险偏好、是否经常收看农业电视节目等因素也是影响农户技术采用的重要因素。因此,应加强农业保险与农村信贷市场的结合,提升农户新技术的采纳水平,最终提高农业生产率。This article analyzes the impact of interlinked index insurance and credit contract on households’technology adoption by conducting a field experiment with 572 rural households in Heilongjiang and Jiangsu to collect the dynamic data of farmers’technology selection in different situations.The results show that the interlinked index insurance and credit contract help households disperse natural risks and mitigate credit constraints,thus promoting the technology adoption of rural households.Furthermore,other variables such as risk attitude and the frequency of watching agricultural TV programs are also important factors that can affect technology adoption behavior of rural households.Thus,the combination of agricultural insurance and rural credit market should be strengthened to improve farmers’new technology adoption and ultimately improve the productivity of the agricultural sector.

关 键 词：银保互动 农户技术采用 田野实验 

分 类 号：F323.89[经济管理—产业经济] F323.9