农业保险、双规模经营与农业产业升级  

Agricultural Insurance,Double Scale Management and Agricultural Industry Upgrading

作　　者：郑军[1] 徐蕊 ZHENG Jun;XU Rui

机构地区：[1]安徽财经大学金融学院 [2]安徽财经大学

出　　处：《电子科技大学学报(社科版)》2025年第1期103-119,共17页Journal of University of Electronic Science and Technology of China(Social Sciences Edition)

基　　金：安徽省教育厅自然基金重点项目(2024AH050009).

摘　　要：基于30个省级行政区2008~2022年面板数据,结合中介效应模型,系统诠释农业保险通过双规模经营助推农业产业升级的作用机制。研究表明:双规模经营是农业保险推动农业产业升级的有效中介;农业保险具有政策性,向农户提供资金与技术支撑,引导土地与服务双规模经营,产生规模效应;农业保险具有保障性,提升农户抗风险能力,拓展双规模经营模式,促进产业间融合发展,推动农业产业升级,产生激励效应;进一步拓展分析发现,农业保险效用因农户的农业技术水平与经营能力差异产生异质性,农业保险对农业产业升级的助推作用在农业技术水平及农户兼业化水平较高的地区更显著;此外,农业保险有利于达成农业生态优化与农民生活改善的多维发展目标。Based on the 2008~2022 panel data of 30 provinces combined with the intermediary effect model,this paper systematically interprets the mechanism of agricultural insurance to promote the upgrading of agricultural industry through dual-scale operation.The results show that dual-scale management is an effective intermediary for agricultural insurance to promote agricultural industry upgrading,Agricultural insurance is policy-oriented,providing capital and technical support to farmers,guiding land and service dual scale management,and producing scale effect.The guarantee of agricultural insurance can improve the risk resistance ability of farmers,expand the dual-scale operation mode,promote the integrated development of industries,promote the upgrading of agricultural industry,and generate incentive effect.Further analysis shows that the effect of agricultural insurance is heterogeneous due to the difference of farmers’agricultural technology level and management ability,and the promoting effect of agricultural insurance on agricultural industry upgrading is more significant in areas with higher agricultural technology level and farmers’concurrent occupation level.In addition,agricultural insurance is conducive to achieving the multidimensional development goals of optimizing agricultural ecology and improving farmers’lives.

关 键 词：农业保险 双规模经营 农业产业升级 农业高质量发展 

分 类 号：F061[经济管理—政治经济学]