农业保险保障水平提升对农业经济韧性的影响——基于完全成本保险和收入保险试点的准自然实验  

The Impact of the Increasing Amount Insured in Agricultural Insurance on the Resilience of the Agricultural Economy

作　　者：陈康 叶明华[2] 李琴英[3] 郑慧[2] Chen Kang

机构地区：[1]河南工业大学经济贸易学院,河南郑州450001 [2]华东师范大学统计学院,上海200062 [3]郑州大学商学院,河南郑州450001

出　　处：《金融理论与实践》2024年第6期99-108,共10页Financial Theory and Practice

基　　金：河南省社科规划项目“粮食主产区农业保险的损失补偿效果评估与保费补贴政策优化研究”(2021BJJ086)的阶段性成果。

摘　　要：提升农业经济韧性是守好“三农”基本盘的重要举措,农业保险风险保障功能的有效发挥与农业经济韧性具有内在契合性。以我国完全成本保险和收入保险政策试点为准自然实验,基于2012—2020年我国420个产粮大县数据,利用双重差分模型分析农业保险保障水平提升影响农业经济韧性的效果。研究发现,农业保险保障水平的提升能够显著促进农业经济韧性提高,并且数字化程度能够显著正向调节其促进农业经济韧性的效果。异质性检验表明,相较于粮食种植规模较大的地区,粮食种植规模较小地区的农业保险保障水平提升对农业经济韧性促进作用更强。相较于完全成本保险,收入保险提升农业经济韧性的效果更强。Enhancing the resilience of the agricultural economy is an important measure to uphold the basic principles of agriculture,rural areas,and farmers,and the effective play of the risk protection function of agricultural insurance is inherently compatible with the resilience of the agricultural economy.Using the pilot program of complete cost insurance and income insurance policies in China as a quasi natural experiment,and based on data from 420 major grain producing counties in China from 2012 to 2020,a difference-in-difference model is used to analyze the effects of improving agricultural insurance coverage on agricultural economic resilience.Research has found that improving the level of agricultural insurance protection can significantly promote the resilience of the agricultural economy,and the degree of digitization can significantly positively regulate the level of agricultural insurance protection to promote the resilience of the agricultural economy.Heterogeneity testing shows that compared to regions with larger grain planting scales,the improvement of agricultural insurance coverage in regions with smaller grain planting scales has a stronger promoting effect on agricultural economic resilience.Compared to full cost insurance,income insurance has a stronger effect on enhancing agricultural economic resilience.

关 键 词：农业保险 保障水平 农业经济韧性 数字化程度 

分 类 号：F842[经济管理—保险]