农业保险对农民收入影响的区域异质性分析——基于农业信贷中介效应  

Regional Heterogeneity Analysis of the Impact of Agricultural Insurance on Farmers’ Income——Based on the Intermediary Effect of Agricultural Credit

作　　者：彭妍 杨林娟 PENG Yan;YANG Lin-juan(School of Finance and Economics,Gansu Agricultural University,Lanzhou 730070)

机构地区：[1]甘肃农业大学财经学院,甘肃兰州730070

出　　处：《南方农村》2022年第6期26-34,共9页South China Rural Area

基　　金：甘肃省哲学社会科学规划项目“甘肃省政策性农业保险研究”(19YB124);甘肃省科技计划软科学项目“甘肃省农业综合开发支持优势特色产业发展问题研究(20CX4ZA045)。

摘　　要：本文基于2013—2019年甘肃省14个市(州)的面板数据,利用熵权法和聚类分析法将甘肃省分为三个区域,通过中介效应检验,研究不同区域农业保险对农民收入的直接影响,以及农业信贷在农业保险间接影响农民收入的过程中能否发挥中介效应。结果表明:除了B区域,A区域和C区域的农业保险均能促进农民增收,A区域的农业信贷只能在农业保险促进农民人均可支配收入和农民人均非农收入增加的过程中发挥中介效应,B区域农业信贷可以单独促进农民增收,但是无法发挥中介效应,C区域农业信贷在农业保险促进农民人均经营性收入和可支配收入增加的过程中可以发挥中介效应。基于以上研究结论,提出加大农业保险供给力度、加大农业信贷资金的供给、畅通农业保险与农业信贷互联机制、以及因地制宜推出不同银保互联产品的对策建议。Based on the panel data of 14 cities(prefectures) in Gansu Province from 2013 to 2019, this paper uses entropy weight method and cluster analysis to divide Gansu Province into three regions. Through the intermediary effect test, it studies the direct impact of agricultural insurance in different regions on farmers’ income, and whether agricultural credit can play the intermediary effect in the process of agricultural insurance indirectly affecting farmers’ income. The results show that, except for region B, agricultural insurance in region A and region C can promote farmers’ income. Agricultural credit in region A can only play an intermediary role in the process of agricultural insurance promoting farmers’ per capita disposable income and farmers’ per capita non-agricultural income. Agricultural credit in region B can promote farmers’ income independently, but cannot play an intermediary role, R egional C agricultural credit can play an intermediary role in the process of agricultural insurance promoting the increase of farmers’ per capita operating income and disposable income. Based on the above research conclusions, the paper puts forward countermeasures and suggestions on increasing the supply of agricultural insurance,increasing the supply of agricultural credit funds, unblocking the interconnection mechanism between agricultural insurance and agricultural credit, and introducing different bank insurance interconnection products according to local conditions.

关 键 词：农业保险 农业信贷 农民收入 中介效应 

分 类 号：F840.3[经济管理—保险]