政策性农业保险对农户收入的影响——来自热带作物产业的证据  

The Impact of Policy-based Agricultural Insurance on Farm Household Income:Evidence from the Tropical Crop Industry

作　　者：郑旭芸 黄铭柔 赖汇霖 ZHENG Xu-yun;HUANG Ming-rou;LAI Hui-lin(School of Finance and Economics,Guangdong Polytechnic Normal University,Guangzhou,Guangdong 510665)

机构地区：[1]广东技术师范大学财经学院,广东广州510665

出　　处：《安徽农业科学》2024年第24期193-196,251,共5页Journal of Anhui Agricultural Sciences

基　　金：广东省哲学社科规划项目(GD20YJ17);广州市哲学社科规划2022年度项目(2022GZGJ07);国家级大学生创新创业训练计划项目(202310588001);2023年广东省科技创新战略专项资金“攀登计划”项目(pdjh2023a0302)。

摘　　要：探究热带作物政策性保险对农户收入的影响效应,有利于促进热区农户稳固增收,为我国政策性农业保险发展提供经验启示。利用2022—2023年广州市热带作物产业农户调研数据,采用线性回归和倾向得分匹配模型,探究政策性农业保险对农户收入的影响效应。结果表明:政策性农业保险能够提高农户的家庭收入。基于倾向得分匹配模型测算,相对于不购买政策性农业保险的农户,购买了政策性农业保险农户的家庭年收入增加了约0.38万~0.39万元。异质性分析显示,政策性农业保险主要增加了农户的农业收入,而对非农收入有显著的负向作用;相比种植规模大户,政策性农业保险更能够提高种植规模小户的家庭收入。此外,政策性农业保险主要增加了中高龄农户的家庭收入。热带作物政策性保险总体上有助于提高农户收入,但对不同收入类型及不同农户群体的影响具有异质性。建议持续推进和完善政策性农业保险相关制度,同时针对不同农户的特征和需求制定差异化的管理和激励措施。The objective of this study is to explore the effect of policy-based insurance for tropical crops on farmers’income,which is conducive to promoting the stable increase of farmers’income in hot areas,and providing empirical enlightenment for the development of policy-based agricultural insurance in China.Based on the survey data of farmers in tropical crop industry in Guangzhou from 2022 to 2023,we employ the linear regression and propensity score matching model to explore the impact of policy-based agricultural insurance on farmers’incomes.The results show that policy-based agricultural insurance can increase the household income of rural households.Based on the propensity matching score model,the household income of farmers who purchased policy-based agricultural insurance increased by approximately 3800-3900 yuan compared with those without such insurance experience.Heterogeneity analysis showed that policy-based agricultural insurance mainly increased the agricultural income of rural households,but had a significant negative effect on their non-agricultural income.Additionally,compared with large-scale farmers,policy-oriented agricultural insurance is more effective in improving household income of small-scale households.Furthermore,the study finds that policy-based agricultural insurance predominantly boosts household income for farmers in the middle to older age groups.Policy-based insurance,as a strategic initiative,contributes overall to the enhancement of farmer incomes in the tropical crop industry.However,its impact exhibits heterogeneity across different income types and diverse farmer groups.This study recommends a continuous advancement and refinement of policy agricultural insurance-related systems.Simultaneously,tailored management and incentive measures should be developed to address the unique characteristics and requirements of various farmer segments.

关 键 词：政策性保险 农户收入 热带作物 PSM模型 

分 类 号：F327[经济管理—产业经济]