农村绿色保险赋能农业绿色转型发展——基于空间计量模型的实证研究  

Rural green insurance empowering agricultural green transformation and development:an empirical study based on spatial econometric model

作　　者：张伟 邓柏禹[1] 钟伟霞 刘心怡 张跃华 ZHANG Wei;DENG Boyu;ZHONG Weixia;LIU Xinyi;ZHANG Yuehua(School of Insurance,Guangdong University of Finance,Guangzhou,Guangdong 510521,China;Center for Innovation and Development of Rural Inclusive Insurance and Social Security,Guangdong University of Finance,Guangzhou,Guangdong 510521,China;School of Finance,Guangdong University of Foreign Studies,Guangzhou,Guangdong 510006,China;School of Public Affairs,Zhejiang University,Hangzhou,Zhejiang 310058,China)

机构地区：[1]广东金融学院保险学院,广东广州510521 [2]广东金融学院农村普惠保险与社会保障创新发展研究中心,广东广州510521 [3]广东外语外贸大学金融学院,广东广州510006 [4]浙江大学公共管理学院,浙江杭州310058

出　　处：《农业现代化研究》2025年第1期117-130,共14页Research of Agricultural Modernization

基　　金：国家自然科学基金项目(71973034,72003047);教育部人文社科研究规划项目(24YJA790091);广东省自然科学基金面上项目(2024A1515010582);广东省属高校创新团队项目(2021WCXTD011)。

摘　　要：农村绿色保险作为农业保险的延伸,正日益获得政府赋予的绿色金融属性,并有望在农业绿色转型过程中发挥重要的引导和激励作用。本文基于2011—2021年30个省(区、市)(不包含港澳台地区和西藏)的面板数据,构建了农业绿色发展指数,并采用双向固定效应的空间杜宾模型对农村绿色保险对农业绿色转型的影响进行了实证分析。研究结果表明,农村绿色保险整体上对农业绿色转型具有积极的促进作用,且本地区农村绿色保险的提升还对邻近地区的农业绿色转型产生了正向的空间溢出效应。中介效应分析进一步揭示,农村绿色保险通过激励农户扩大生产规模、增加资本投入及提升技术水平等途径,推动农业绿色转型。异质性分析发现,粮食主产区和东部地区的农村绿色保险对农业绿色转型的促进作用相对较小。基于上述发现,本文建议中央和地方政府进一步完善绿色财政支农体系,推动农村绿色保险向绿色方向持续发展,并因地制宜提高农业保险保障水平,发挥农业绿色发展的区域联动效应。Rural green insurance,as an extension of agricultural insurance,is increasingly being endowed with green financial attributes by the government and is expected to play a significant guiding and incentive role in the green transformation of agriculture.This paper,based on provincial panel data from 2011 to 2021(excluding Hong Kong,Macao,Taiwan,and Xizang),ffrst constructs a relevant index system to calculate the agricultural green development index for various provinces,cities,and regions.A two-way fixed-effects spatial Durbin model is then employed to empirically examine the impact of rural green insurance on agricultural green transformation.The study finds that rural green insurance has a positive overall effect on agricultural green transformation,with the enhancement of rural green insurance in one area also having a positive spatial spillover effect on the green transformation of neighboring areas.Mediation effect analysis further reveals that rural green insurance promotes agricultural green transformation by encouraging farmers to expand production scale,increase capital investment,and improve technological levels.Heterogeneity analysis shows that the effect of rural green insurance on agricultural green transformation is relatively smaller in grain-producing regions and eastern provinces.Based on these ffndings,it is recommended that both central and local governments improve the green ffscal support system for agriculture, guide rural green insurance to develop continuously in a green direction, and adjust agricultural insurance coverage according to local conditions, leveraging the regional linkage effects of agricultural green development.

关 键 词：农村绿色保险 绿色农业 农业保险 农业绿色发展 空间杜宾模型 

分 类 号：F842.6[经济管理—保险]