农业保险对农户种植业收入的影响研究——基于中国土地经济调查(CLES)数据的实证分析  

Research on the Impact of Agricultural Insurance on Farmers’ Planting Income——An Empirical Analysis based on the Data of the China Land Economic Survey

作　　者：刘妍[1] 潘辉 王子源 LIU Yan;PAN Hui;WANG Ziyuan(School of Finance,Nanjing Audit University,Nanjing,Jiangsu 211815,China)

机构地区：[1]南京审计大学金融学院,江苏南京211815

出　　处：《金融教育研究》2024年第3期43-57,共15页Research of Finance and Education

基　　金：国家社会科学基金项目“‘后脱贫时代’返贫风险评估与保险反贫困的长效机制研究”(19BJY171)。

摘　　要：基于2020年中国土地经济调查(CLES)数据,采用中介效应及门槛效应模型,实证考察农户购买农业保险对其自身种植业收入的影响。研究结果显示:第一,农业保险能够增加农户种植业收入,其增收效应通过种植规模的扩大得以实现,且在影响过程中存在遮掩效应。第二,农业保险的增收效应存在三重门槛,即农业保险、种植业规模与农户种植业收入之间存在非线性关系,当农户种植面积达到一定规模后,农业保险的增收效果显著提升。这有利于各级政府规范农村土地流转制度,鼓励农户通过土地流转合理规划种植规模,并推行差异化农业保险政策,同时为保险机构完善农业保险服务体系、扩大保障范围、丰富农业保险种类提供新的经验证据。Based on the 2020 China Land and Economic Survey(CLES)data,this study employs the mediating effect and threshold regression to empirically research the impact of agricultural insurance on the farmers’planting income.The results are as follows:Firstly,agricultural insurance can increase farmers’income,the income-increasing effect is mainly achieved by expanding the planting area,and there is a masking effect in the process of influence.Secondly,the income-increasing effect of agricultural insurance exhibits a triple threshold,indicating a nonlinear relationship between agricultural insurance,planting scale,and farmers’planting income.The income-increasing effect of agricultural insurance becomes significantly pronounced when the planting scale reaches a certain degree.These findings are beneficial for governments to regulate rural land transfer systems,encourage farmers to plan production scale rationally through land transfer,implement differentiated agricultural insurance policies,and provide new insights and empirical evidence for insurance agencies to improve agricultural insurance service systems,expand coverage,and enrich types of agricultural insurance.

关 键 词：农业保险 种植业收入 种植规模 生产行为 

分 类 号：F840.66[经济管理—保险]