集体林权制度改革背景下农户商品林投保决策行为研究  

The Decision-making Behaviors of Farmers’Commercial Forest Insurance under the Background of the Reform of Collective Forest Property Rights System

作　　者：吴博扬 戴永务[2] 魏建 程秋旺 WU Boyang;DAI Yongwu;WEI Jian;CHENG Qiuwang(a.College of Rural Revitalization,Fujian Agriculture and Forestry University,Fuzhou 350002,China;College of Economics and Management,Fujian Agriculture and Forestry University,Fuzhou 350002,China;Postdoctoral Research Center of Business Administration,Chongqing University,Chongqing 400044,China)

机构地区：[1]福建农林大学乡村振兴学院,福州350002 [2]福建农林大学经济与管理学院,福州350002 [3]重庆大学工商管理博士后流动站,重庆400044

出　　处：《林业经济问题》2024年第4期377-386,共10页Issues of Forestry Economics

基　　金：博士后科学基金资助项目(2023M730394);中央高校基本科研业务费项目(2023CDSKXYJG007)。

摘　　要：选取全国9个省份18个县的农户固定样本连续监测数据,利用面板Probit模型对农户商品林投保决策的影响因素进行实证分析。研究表明:林业经营风险感知、保险满意度、保费标准认可度、家庭收入水平、林地依赖等方面因素对农户商品林投保决策具有显著影响,在经过稳健性检验后结论依然成立。应加强农户风险防范意识、提高农户森林保险认知,加大商品林保险购买的扶持力度、降低农户参与商品林保险的负担,深化林权制度改革、合理调控市场价格,制定差异化的森林保险政策、促进森林保险多元化发展。⑴Background——The reform of China’s collective forest property rights system has increased the risks that individual farmers need to bear in forestry management,and also increased the demands of individual farmers to control and disperse forestry management risks.However,even with the continuous optimization of forest insurance guarantee level,the proportion of farmers’commercial forest insurance is still relatively low,which may not only restrict the release of the potential of China’s forest insurance market,but also affect the modernization and high-quality development of China’s forestry industry.⑵Methods——The research data mainly came from the field survey carried out by the research group in 2018 and 2020,and a total of 2252 valid questionnaires were obtained.In this paper,the farmers’decisions of commercial forest insurance were selected as the explained variables,risk perception,insurance cognition,insurance burden and forestland emotion were selected as the explanatory variables,and the farmers’personal characteristics,family management characteristics and market price characteristics were selected as the control variables.Based on the insurance demand theory of the decision-making process,this paper constructed a random effects Panel Probit model,and discussed the effects of different influencing factors in the decision-making process of the farmers’commercial forest insurance from both theoretical and empirical perspectives.⑶Results——First,in terms of risk perception,when the farmers’perception of forestry management risk increases by 1%,their possibility of buying commercial forest insurance will increase by 26.7%,that is,the farmers with higher forest management risk perception are more likely to insure commercial forests.Second,in terms of insurance cognition,when the farmers’satisfaction with forest insurance and recognition of premium standard increase by 1%,their probability of buying commercial forest insurance will increase by 11%and 8.4%,respectively,indicati

关 键 词：森林保险 投保决策 面板Probit模型 

分 类 号：F326.20[经济管理—产业经济]