摘要
为了明确农业规模化经营是否会提高农户的农业保险购买意愿,构建“经营规模-农业特性-农业保险购买意愿”的理论框架和基于农业保险购买决策的“成本-收益”数理分析,利用我国南方的湖南、湖北、江西、安徽和广东五省的533份稻农微观调查数据,运用Probit模型对耕地规模、社会化服务规模与农户的农业保险购买意愿之间的关系进行检验。结果表明:耕地规模扩大将通过集中传统农业风险进而刺激农户的农业保险购买意愿;服务规模扩大则可能滋生机会主义行为从而增大农业传统风险,进而刺激农户的农业保险购买意愿。因此,推进耕地规模化和社会化服务规模化发展的同时,须进一步完善农业保险市场以满足农户的保险需求。
To understand whether the expansion of business scale will increase farmers’willingness to purchase agricultural insurance,constructing the theoretical framework of“management scale-agricultural characteristics-willingness to purchase agricultural insurance”,and using the“cost-benefit”mathematical analysis,using the microcosmic survey data of 533 farmers in 5 provinces and using Probit model to prove the relationship between management scale and farmers’willingness to purchase agricultural insurance.The results find that,firstly,the expansion of the farmland scale will stimulate farmers’willingness to purchase agricultural insurance by concentrating traditional agricultural risks;secondly,the expansion of the scale of services may breed opportunistic behaviors and increase traditional agricultural risks,so farmers will increase their willingness to purchase agricultural insurance.Therefore,in order to promote the development of the farmland-scale-expanding or service-scale-expanding,it is necessary to improve the agricultural insurance market to meet the insurance needs of farmers.
作者
蔡键
苏柳方
CAI Jian;SU Liufang(College of Economics and Management,South China Agricultural University,Guangzhou 510642,China;School of Agricultural Economics and Rural Development,Renmin University of China,Beijing 100872,China)
出处
《地域研究与开发》
CSSCI
CSCD
北大核心
2020年第5期121-125,共5页
Areal Research and Development
基金
国家自然科学基金青年项目(71703042)
2020年广东省软科学项目(2020A1010020028)
广东省教育科学“十三五”规划2019年度高校哲学社会科学专项研究项目(2019GXJK033)
2020年广东省财政科研课题(Z202041)
国家社会科学基金重大项目(19ZDA115)
华南农业大学乡村振兴战略研究院课题(XZY2019)。
关键词
耕地规模
服务规模
农业风险
农业保险购买意愿
farmland scale
service scale
agricultural risk
willingness to purchase agricultural insurance
