农户农业保险需求差异:个体特征还是供给排斥  

Differences in Agricultural Insurance Needs:Endowment Differences or Exclusion Differences?

作　　者：杨国佐 邹德仁 陈春春 张峰 YANG Guo-zuo;ZOU De-ren;CHEN Chun-chun;ZHANG Feng(School of Humanities and Law,Taiyuan University of Technology,Taiyuan 030024,China;School of Management,Beijing Union University,Beijing 100101,China;School of Business,Beijing Union University,Beijing 100025,China;School of Applied Science and Technology,Beijing Union University,Beijing 100012,China)

机构地区：[1]太原理工大学文法学院,山西太原030024 [2]北京联合大学管理学院,北京100101 [3]北京联合大学商务学院,北京100025 [4]北京联合大学应用科技学院,北京100012

出　　处：《经济问题》2023年第7期87-94,共8页On Economic Problems

基　　金：国家社会科学基金项目“农村金融服务乡村振兴的水平测评、时空分异与改进路径研究”(19BJY158);山西省哲学社会科学规划课题“山西农村金融支持农业现代化与可持续减贫以实现乡村振兴战略研究”(2020YY046)。

摘　　要：随着乡村振兴战略和土地流转政策的实施,农户分化日益明显,农户在农业保险需求方面表现出的差异也日益显著。以辽宁、山东、江西、四川4省1394户农民的调研数据为样本,采用Oaxaca-Blinder分解模型,在研究新型农户与传统小农户农业保险需求基础上,进一步测算了各影响因素对二者农业保险需求差异的贡献度,并利用倾向得分匹配法降低样本选择偏误进行稳健性检验。结果表明,新型农户农业保险需求大于传统小农户,二者需求差异既受个体特征影响,也受供给排斥影响。个体特征中贡献最大的是人均农业收入,占总差异的53.8%;供给端以营销排斥贡献最大,占总差异的49.56%。研究结果为农业保险“扩面、增品、提标”的高质量发展要求和政策制定提供了理论支持。With the implementation of the rural revitalization strategy and land transfer policy,the differentia⁃tion of farming households has become increasingly obvious,and the differences in farming households’demand for agricultural insurance have become increasingly significant.In this paper,the Oaxaca-Blinder decomposition model is used to further measure the contribution of various factors to the difference in demand for agricultural in⁃surance between new farmers and traditional small farmers based on a sample of 1394 farmers in Liaoning,Shan⁃dong,Jiangxi and Sichuan provinces.The results show that the demand for agricultural insurance among new farm⁃ers is greater than that of traditional smallholders,and that the difference in demand between the two is influenced by both individual characteristics and supply exclusion.The largest contribution of individual characteristics is the per capita farm income,which accounts for 53.8%of the total difference;on the supply side,marketing exclusion makes the largest contribution,accounting for 49.56%.The findings of this paper provide theoretical support for the high-quality development requirements and policy formulation of agricultural insurance to“expand coverage,increase products and raise standards”.

关 键 词：农业保险需求 个体特征 供给排斥 倾向得分匹配法 OAXACA-BLINDER分解 

分 类 号：F840.66[经济管理—保险]