受灾经历 、社会网络嵌入和种植业农户投保行为  

Disaster Experience,Social Network Embedding and Insurance Behavior of Planting Farmers

作　　者：石志恒 于世捷 SHI Zhiheng;YU Shijie

机构地区：[1]兰州财经大学农林经济管理学院,兰州730020 [2]兰州财经大学经济学院,兰州730020

出　　处：《世界农业》2024年第6期63-74,共12页World Agriculture

基　　金：国家社会科学基金一般项目“基于资源约束和社会规范视角农户绿色生产‘强意愿弱行为’研究”(20BJY083)。

摘　　要：利用中国土地经济调查(CLES)1417个农户微观调查数据,运用两部分模型和Heckman样本选择模型,探讨受灾经历和社会网络嵌入对种植业农户投保选择和投保支出的影响,进一步分析社会网络嵌入分化对农户参保行为存在的异质性影响。结果表明:①受灾经历通过修正农户的风险认知,对农户的投保行为产生显著正向影响;②社会网络嵌入通过软化农户的信息约束,对农户的投保行为产生显著正向影响;③社会网络嵌入会通过先行者的“榜样效应”打破农户的认知偏见,促使农户进行理性的参保决策。因此,建议做好受灾理赔工作,重视社会网络的非正式信息传递作用,进一步加强灾害预报信息的传播水平,促进农户优化自身的风险认知,主动采用农业保险工具来规避生产风险。Using 1417 micro survey data from China Land Economy Survey(CLES),this study employs a Two-part model and Heckman sample selection model to explore the effects of disaster experience and social network embeddedness on the insurance choices and levels of planting farmers.Furthermore,the heterogeneity of the impact of social network embeddedness differentiation on the insurance behavior of farmers is analyzed.The results indicate that:①Disaster experience has a significant positive impact on farmers’insurance behavior by correcting their risk perception;②Social network embedding has a significant positive impact on farmers’insurance behavior by softening their information constraints;③Social network embedding will break farmers’cognitive biases through the“role model effect”of pioneers,and encourage farmers to make rational insurance decisions.Therefore,it is recommended to do a good job in disaster compensation work,attach importance to the informal information transmission role of social network,further strengthen the dissemination of disaster prediction information,promote farmers to optimize their risk awareness,and actively use agricultural insurance tools to avoid production risks.

关 键 词：受灾经历 社会网络嵌入 种植业农户 投保行为 两部分模型 

分 类 号：F323.6[经济管理—产业经济] F842.66[社会学] C912.3