摘要
以往有关农业保险决策的研究较多从静态视角展开。本文在传统静态的农业保险参保决策模型之上,结合中国农业保险产品的特征,构建动态视角下的农业保险决策分析框架,阐释了农户的参保、在有参保经历之后选择退保以及对农业保险呈现需求排斥的动机。实证部分基于华中三省1051名从事农作物生产农户的调研数据,证实了获取政府补贴提高预期收益和转移农业风险的参保动机,风险赔付水平较低是农户退保的原因,以及务农风险较低或对农业保险认识不足是农业保险排斥的原因。而私人风险信息并未影响农户的参保选择,不存在明显逆向选择的参保动机。除此之外,结果还显示同群效应会显著正向增加农户的参保概率,并降低退保的概率。本文从动态视角理解农户的农业保险决策,为中国农业保险项目更好地发挥风险保障作用提供实践参考。
Previous research on agricultural insurance decision-making has been mostly carried out from a static perspective.Based on the classical static agricultural insurance participation decision-making model and considering the characteristics of China’s agricultural insurance products,this paper constructs a decision-making analysis framework from a dynamic perspective,it explains the motivation of farmers’participation in insurance,the choice to surrender after having insurance experience,and the exclusion of agricultural insurance demand.The empirical part is based on the survey data of 1051 farmers engaged in crop production in the three provinces of central China,which confirms the motivation of obtaining government subsidies to increase expected income,transfer agricultural risks and insufficient awareness of agricultural insurance is the reason for the exclusion of agricultural insurance demand.However,private risk information does not affect farmers’choice of insurance,and there is no obvious adverse selection motive for insurance.In addition,the results also show that the peer effect significantly increased the probability of farmers’participating in the insurance and reduced that of exiting the insurance.This article understands farmers’agricultural insurance decisions from a dynamic perspective,and provides a practical reference for China’s agricultural insurance projects to better play the role of risk protection.
作者
梁超
贺娟
陶建平
LIANG Chao;HE Juan;TAO Jianping
出处
《世界农业》
CSSCI
2022年第3期48-61,共14页
World Agriculture
基金
国家自然科学基金青年项目(71703048)
中央高校基本科研业务费专项资金资助项目(2662020JGPYG12)
国家自然科学基金项目(71773033)。
关键词
农业保险
参保需求
退保动机
农业保险排斥
Agricultural Insurance
Participate Insurance Demand
Exit Insurance Motivation
Agricultural Insurance Exclusion
