农业保险的要素配置效应及其作用机制——基于助力现代农业发展视角  

Effect of agricultural insurance on production factor allocation and its mechanism:From the perspective of facilitating modern agriculture development

作　　者：富丽莎 秦涛[3] 汪三贵[1,2] FU Lisha;QIN Tao;WANG Sangui(School of Agriculture Economics and Rural Development,Renmin University of China,Beijing 100872,China;China Poverty Alleviation Research Institute,Renmin University of China,Beijing 100872,China;School of Economics and Management,Beijing Forestry University,Beijing 100083,China)

机构地区：[1]中国人民大学农业与农村发展学院,北京100872 [2]中国人民大学中国扶贫研究院,北京100872 [3]北京林业大学经济管理学院,北京100083

出　　处：《资源科学》2022年第10期1980-1993,共14页Resources Science

基　　金：国家自然科学基金重点项目(72034007);国家自然科学基金应急管理项目(72141015);教育部人文社会科学研究规划基金项目(20YJA790059);国家社会科学基金后期资助项目(20FGLB022)。

摘　　要：在巩固脱贫攻坚成果同乡村振兴有效衔接目标背景下,农业保险是否具有影响生产要素配置进而助力现代农业发展的“造血”功能亟待研究。本文基于山东与甘肃583份农户调研数据,兼顾小农户与新型农业经营主体,就助力现代农业发展视角下农业保险保障水平对农业生产要素配置的影响及作用机制进行分析。研究发现:(1)农业保险保障水平与经营规模、资金投入、技术投入存在先正向激励后负向抑制的“倒U型”关系,与农业绿色生产水平存在线性正向关系。(2)农业保险保障水平对小农户和新型农业经营主体的生产要素配置影响存在差异,对小农户而言,农业保险保障水平与资金投入、技术投入存在“倒U型”关系,与农业绿色生产水平存在线性正向关系;对新型经营主体而言,农业保险保障水平仅与经营规模、资金投入及技术投入存在“倒U型”关系。(3)农业保险保障水平主要通过促进土地流转来扩大经营规模,通过增强农险信贷协同效应来提高资金投入,通过加强农业技术培训来提升技术投入,进而助力现代农业发展。据此,提出了全面提高保障水平、增强补贴政策指向性、缓解农业信贷约束、抑制道德风险问题等政策建议。Under the background of consolidating the achievements of poverty alleviation and effectively connecting the goal of rural revitalization,the role of agricultural insurance on affecting the allocation of production factors and facilitating the development of modern agriculture needs to be studied.Based on the survey data of 583 farmers in Shandong and Gansu provinces and taking into account small farmers and new agricultural business entities,this study analyzed the impact of agricultural insurance protection level on the allocation of agricultural production factors from the perspective of facilitating modern agricultural development,and investigated the specific mechanisms that affect the allocation of production factors.The results show that:(1)There is an inverted U-shaped relationship between agricultural insurance protection level and the scale of production,capital investment scale,and technology investment scale,which first provides positive incentive and then becomes negative inhibition,and there is a linear positive relationship with the level of agricultural green production.(2)The impact of insurance protection level on the allocation of production factors of small farmers and new agricultural operators is heterogeneous.For small farmers,there is an inverted U-shaped relationship between protection level and capital investment scale and technology investment scale,and a linear positive relationship with the level of green production.For the new agricultural business entities,however,the protection level has only an inverted U-shaped relationship with the scale of production,capital investment scale,and technology investment scale.(3)Higher agricultural insurance protection level mainly expands the scale of land operation by promoting land transfer,increases agricultural capital investment by enhancing the synergistic effect of agricultural credit,and enhances agricultural technology investment by strengthening agricultural technology training,and then promotes the development of modern agriculture.Bas

关 键 词：农业保险 保障水平 生产要素配置 小农户 新型农业经营主体 现代农业发展 防贫 

分 类 号：F842.66[经济管理—保险] F327