中国政策性农业保险发展水平评价——基于完全成本保险和收入保险试点地区数据  

Evaluation of the Development Level of Policy-based Agricultural Insurance in China—Based on the Data of Full-cost Insurance and Income Insurance Pilot Areas

作　　者：马凤才[1] 王旭[1] MA Feng-cai;WANG Xu(College of Economics and Management,Heilongjiang Bayi Agricultural University,Daqing,Heilongjiang 163319)

机构地区：[1]黑龙江八一农垦大学经济管理学院,黑龙江大庆163319

出　　处：《安徽农业科学》2024年第22期226-230,共5页Journal of Anhui Agricultural Sciences

基　　金：黑龙江八一农垦大学研究生创新科研项目“黑龙江省政策性农业保险对农民收入的影响研究”(YJSCX2023-Y51)。

摘　　要：政策性农业保险作为提供给农户的重要风险管控工具之一,能够在农业灾害发生时减少农业生产经营者的损失并快速恢复生产。基于政策性完全成本保险和收入保险首批试点地区2014—2021年省级面板数据,构建综合评价指标体系,利用熵值-TOPSIS法测算样本地区政策性农业保险的发展水平。结果表明:政策性农业保险的发展受到农险发展水平、农险运行效率等多种因素的共同作用,且其发展水平存在明显的地区差异性;新型政策性农业保险实施后,由于农户接受程度低、农险承保机构风险担忧等原因,部分省份出现发展水平下降走势。为不断推进政策性农业保险高质量发展,各省份应多方面推进农业保险高质量发展、因地制宜发展政策性农业保险、提升农户参保意识、调动农险经营主体承保积极性。As one of the important risk management tools provided to farmers,policy agricultural insurance can reduce the losses of agricultural production operators and quickly restore production when agricultural disasters occur.This paper constructs a comprehensive evaluation index system based on the provincial panel data of the first batch of pilot regions of policy full-cost insurance and income insurance from 2014 to 2021,and measures the development level of policy agricultural insurance in the sample regions using the entropy value-TOPSIS method.The results show that the development of policy-based agricultural insurance is subject to the joint effect of various factors such as the development level of agricultural insurance and the operational efficiency of agricultural insurance,and there are obvious regional differences in its development level;after the implementation of the new policy-based agricultural insurance,some provinces have seen a decline in the development level due to the low acceptance level of farmers and the risk concerns of agricultural insurance underwriting organizations.In order to continuously promote the high-quality development of policy-based agricultural insurance,provinces should promote the high-quality development of agricultural insurance in many aspects,develop policy-based agricultural insurance according to local conditions,enhance the awareness of farmers to participate in the insurance,and mobilize the underwriting enthusiasm of agricultural insurance operators.

关 键 词：政策性农业保险 绩效评价 熵值-TOPSIS法 

分 类 号：S-9[农业科学] F323[经济管理—产业经济]