摘要
价格指数保险是养殖业抵御市场风险的重要工具。本文使用2015—2018年某保险公司的大样本保单数据,实证分析市场价格、政府补贴对生猪价格指数保险需求的影响。研究结果表明,政府补贴对养殖户投保需求有正向显著影响,市场价格对养殖户的投保需求有负向显著影响。通过异质性分析发现,养殖规模越大,市场价格和政府补贴对投保需求影响越大。因此,本文认为应加大财政补贴力度;不断完善价格指数类保险产品,针对不同规模的养殖户开发不同类型的保险产品。
Price index insurance is an important tool for the breeding industry to resist market risks.This article uses a large sample of insurance policy data of an insurance company from 2015 to 2018 to empirically analyze the impact of market prices and government subsidies on the demand for hog price index insurance.The results of the study show that:government subsidies have a positive and significant impact on farmer's insurance demand;market prices have a negative and significant impact on farmer's insurance demand.Through heterogeneity analysis,it is found that the larger the scale of breeding,the greater the impact of market prices and government subsidies on insurance demand.Therefore,this article believes that financial subsidies should be increased;price index insurance products should be continuously improved;different types of insurance products should be developed for farmers of different sizes.
作者
伍骏骞
任成一
Wu Junqian;Ren Chengyi
出处
《财经科学》
CSSCI
北大核心
2020年第11期54-64,共11页
Finance & Economics
基金
教育部人文社会科学研究项目:“空间计量经济学视角下农村劳动力流动对减贫的作用研究”(20YJA790069)的资助。
关键词
生猪价格指数保险
市场价格
政府补贴
养殖规模
Hog Price Index Insurance
Market Price
Government Subsidies
Breeding Scale
