农户兼业化程度对农业保险偏好的影响机理与实证分析

MECHANISM AND EMPIRICAL ANALYSIS OF THE EFFECT OF THE DEGREE OF PART-TIME FARMING ON AGRICULTURAL INSURANCE PREFERENCES

关键词:  兼业化程度  农业保险  保险偏好  种植规模  新型指数保险

Key words:  degree of part-time farming  agricultural insurance  insurance preference  planting scale  new index insurance

摘要:

目的 随着农业结构调整深入推进，农户的收入来源逐渐多元化，文章通过研究农户兼业化程度对不同类型农业保险偏好的影响，为针对性推广农业保险提供依据和参考。方法 以湖北、湖南、河南3省粮食主产区的732份农户调查数据为基础，运用Logit模型和多元Logit模型分析农户兼业化程度对保险种类偏好的影响，讨论种植规模在务农收入占比和保险种类选择之间的调节效应，以是否有固定非农工作将农户分为不同类型的兼业农户进行异质性分析。结果 （1）务农收入占比高的农户偏好传统的物化成本保险，务农收入占比低的农户更喜欢新型指数保险。（2）兼业化程度相同的情况下，大规模农户比小规模农户更愿意保成本、保产量。（3）不同类型的兼业农户保险偏好存在差异，有固定非农工作的兼业农户比没有固定工作的兼业农户更愿意选择新型指数保险。结论 有必要在务农收入占比高、种植规模大、没有固定非农收入的农户中推广传统的物化成本保险；在务农收入占比低、种植规模小、有固定非农收入的农户中推广新型指数保险。

Abstract:

With the deepening of agricultural structural adjustments, the sources of farmers' income have gradually diversified. By studying the impact of farmers' degree of part-time production on their preferences for different types of agricultural insurance, this research aims to provide a basis and references for targeted promotion of agricultural insurance. Based on survey data from 732 farmers in the main grain-producing areas of Hubei, Hunan, and Henan provinces, this study used the Logit model and multinomial Logit model to analyze the influence of farmers' degree of part-time production on insurance preferences, and discussed the moderating effect of planting scale in the share of farm income and the choice of insurance types, then conducted a Heterogeneity analysis by categorizing farmers into different types of diversified farming farmers based on the presence of fixed non-agricultural employment. The results were showed as follows. (1) Farmers with a high proportion of agricultural income preferred traditional physical cost insurance, while farmers with a low proportion of agricultural income preferred new index insurance. (2) Under the same degree of part-time production, large-scale farmers were more willing to insure costs and production compared to small-scale farmers. (3) There were differences in insurance preferences among different types of diversified farming farmers, with those having fixed non-agricultural employment being more inclined to choose new index insurance compared to those without fixed employment. Therefore, it is necessary to promote traditional agricultural insurance among farmers with a high proportion of agricultural income, large planting scale, and no fixed non-agricultural income. For farmers with a low proportion of agricultural income, small planting scale, and fixed non-agricultural income, promoting new index insurance is recommended.