农业保险对农业技术采纳行为的影响研究——基于种植业家庭农场的调研数据

STUDY ON THE IMPACT OF AGRICULTURAL INSURANCE ON ARGICULTURAL TECHNOLOGY ADOPTION——SURVEY DATA BASED ON PLANTATION FAMILY FARMS

关键词:  农业保险  农业技术采纳  家庭农场  调节效应  异质性分析

Key words:  agricultural insurance  agricultural technology adoption  family farm  moderating effect  heterogeneity analysis

摘要:

目的 农业保险是分散农业风险、保障农业生产的重要手段，农业技术是发展现代农业、实现农业转型升级的关键因素，文章拟通过实证分析，探究农业保险是否对家庭农场农业技术采纳行为产生影响。方法 文章基于2021年山东省348家种植业家庭农场为样本，运用Logit模型和多元线性回归模型分析农业保险对家庭农场农业技术采纳行为的影响；并通过建立调节效应模型，分析农业保险对家庭农场农业技术采纳行为产生的异质性影响。结果 农业保险对家庭农场农业技术采纳行为具有显著正向影响；且影响因家庭农场的异质性而存在差异，种植粮食作物（相比于经济作物）、农业收入占比高、风险偏好程度大的家庭农场更倾向采纳农业技术。结论 农业保险促进家庭农场农业技术采纳。从农业保险对接农业技术、提高粮食作物的保险补贴力度和保障水平以及加强农业保险宣传三个方面提出相关政策建议。

Abstract:

Agricultural insurance is an important means to disperse agricultural risks and ensure agricultural production, and agricultural technology is the key factor to develop modern agriculture, realize agricultural transformation and upgrading. Through empirical analysis, this paper intends to explore whether agricultural insurance exerts impact on family farms' technology adoption behavior. Taking 348 plantation family farms in Shandong province as samples, this paper employed Logit model and Multiple Linear Regression model to analyze the impact of agricultural insurance on family farms' agricultural technology adoption behaviors, and used moderating effect model to analyze the heterogeneity of this impact. The results showed that agricultural insurance had a significant positive impact on the adoption of agricultural technology in family farms; and the impact was different due to the heterogeneity of family farms, family farms with grain crop planting（compared with cash crop planting）, high proportion of agricultural income and high risk preference being more inclined to adopt agricultural technology. It concludes that agricultural insurance can promote the adoption of agricultural technology in family farms, and it puts forward policy suggestions from the following three aspects, connecting agricultural technology with agricultural insurance, improving insurance subsidy and guarantee level of grain crops, and strengthening the publicity of agricultural insurance.