农业保险发展区域差异研究——基于主体动力分析的视角  

On Regional Differences in the Development of Agricultural Insurance——From the Perspective of Subject Dynamics Analysis

作　　者：曹翀[1] CAO Chong(Anhui Vocational Collegeof City Management,Hefei 230011,China)

机构地区：[1]安徽城市管理职业学院,安徽合肥230011

出　　处：《哈尔滨学院学报》2024年第5期51-55,共5页Journal of Harbin University

基　　金：2022年度安徽高校哲学社会科学研究重点项目,项目编号:2022AH052373;校级青年人才支持计划,项目编号:2022qnrc005。

摘　　要：鉴于我国农业保险存在着明显的区域间发展“不平衡不充分”问题,文章基于农业保险各主体(农民、保险公司、地方政府)动力的视角,从宏观层面出发,以省为区域,对影响各主体动力的多种因素和农业保险发展水平之间的关系进行了实证考察。结果发现,影响地区农业保险发展水平的主要因素有农民的收入结构、地方财政负担、历史赔付率、专业农业保险公司市场占有率、新型农业经营主体占比等。据此,针对农业保险发展水平相对落后的地区,从优化补贴结构、增加补贴种类、减轻县级财政负担、增设专业农业保险公司、差异化供给等角度提出政策建议。Given the significant regional“imbalance and inadequacy”in the development of agricultural insurance in China,this article,based on the perspective of the driving forces of various agricultural insurance entities(farmers,insurance companies,and local governments),empirically examines the relationship between multiple factors that affect the driving forces of each entity and the level of agricultural insurance development from a macro level perspective,taking provinces as regions.The results showed that the main factors affecting the development level of regional agricultural insurance include the income structure of farmers,local financial burden,historical payout rates,market share of professional agricultural insurance companies,and the proportion of new agricultural operating entities.Based on this,policy recommendations are proposed for regions with relatively backward development levels of agricultural insurance,from the perspectives of optimizing subsidy structure,increasing subsidy types,reducing county-level financial burden,establishing professional agricultural insurance companies,and differentiated supply.

关 键 词：农业保险 区域差异 主体动力 

分 类 号：F842.66[经济管理—保险]