政策性农业保险的福利效应——基于农民视角的分析  

The Welfare Effects of Policy-based Agricultural Insurance:An Analysis from the Perspective of Farmers

作　　者：陈燕 林乐芬 CHEN Yan;LIN Lefen

机构地区：[1]南京农业大学金融学院

出　　处：《中国农村观察》2023年第1期116-135,共20页China Rural Survey

基　　金：国家社科基金后期资助项目“现代农业保险实践模式与体制机制创新研究”(编号:19FJYB002)的阶段性研究成果。

摘　　要：政策性农业保险发挥着分散农业风险、补偿受损农民经济损失的风险保障功能。本文基于2002-2020年省级面板数据,运用多时点DID模型、动态静态面板效应模型、面板分位数模型等,基于农民视角实证考察了政策性农业保险的福利效应。研究发现:政策性农业保险的实施显著增进了农民福利水平;政策性农业保险发展对农民具有一定的福利改善作用,这主要通过灾前保费支出效应实现——人均保费支出的农民福利改进效应显著,虽然在短期内增强了农民福利波动,但长期看改善了农民福利水平;随着农民福利水平的上升,政策性农业保险的福利改善效应逐渐减弱;灾后保险赔付的福利效应尚未体现,这是由农业保险赔付效率不高造成的。Policy-based agricultural insurance plays a risk guarantee function of spreading agricultural risks and compensating the economic losses of the damaged farmers.Based on provincial panel data from 2002 to 2020,this article empirically investigates the welfare effects of policy-based agricultural insurance from the perepective of farmers,using a multi-temporal DID model,a dynamic-static panel effect model and a panel quantile model.The study finds that the implementation of policy-based agricultural insurance has significantly improved the level of farmers’welfare.The development of policy-oriented agricultural insurance has a certain effect on farmers’welfare,which is mainly realized by the effect of the pre-disaster premium expenditure.The pre-disaster premium expenditure has a significant impact on farmers’welfare,enhancing farmers’welfare fluctuation in a short term while improving the level of farmers’welfare in a long term.With the rise of farmers’welfare levels,the welfare improvement effect of policy-based agricultural insurance gradually diminished.The welfare effect of post-disaster insurance compensation has not yet been reflected,which is caused by the low efficiency of agricultural insurance compensation.

关 键 词：政策性农业保险 农民福利 福利效应 分位数回归 

分 类 号：F842[经济管理—保险]