银保互动对农户新技术选择影响研究

发布时间：2018-04-29 13:35

本文选题：银保互动 + 农业新技术　；参考：《江南大学》2014年硕士论文

【摘要】：在我国农村耕地、淡水等资源刚性约束和生态环境保护压力加大的背景下，要实现农业产业化现代化和城乡一体化发展，根本出路在科技。农户作为现代农业科技的应用主体，其新技术选择行为受多方面因素的影响，从农户视角研究农业新技术应用对提高我国农业科技成果转化率将产生积极直接的效果。而随着农业逐步进入高投入、高成本、高风险的发展时期，融资和农业风险管理已成为农户新技术应用的瓶颈，银保互动机制作为金融支农政策的一种创新形式，能够有效缓解农户受到的信贷和风险的双重约束。因此，本文选择湖南衡东县进行实地调研，通过问卷调查和入户访谈获取农户相关数据，研究农业信贷与农业保险互动机制及其对农户新技术选择的影响。本文在文献综述和理论回顾的基础上，首先对农业信贷、农业保险和新技术应用发展的现状进行分析，发现农户新技术的推广应用受自身素质、资金水平和风险约束的特点越来越明显，亟需信贷支持和风险保障，银保互动机制的提出不仅能够为农业生产分担风险，而且能够有效缓解农户的信贷约束；其次，从经济学视角对农户新技术选择中的银保互动机制进行分析，，并介绍了我国银保互动发展初期的政策环境、具体实践和主要模式；第三，通过对样本区域的具体调研及基本统计分析发现，受访农户年龄普遍偏大，受教育程度不高，耕种面积差异化，家庭年收入偏低，保险意识不强，农户新技术选择行为受个体特征、经济生产特征、制度环境等各方面因素的影响；第四，采用最优尺度回归方法，分析农户新技术选择的影响因素，得到农户受教育程度、耕种的土地面积、家庭年收入、技术信息来源数、风险偏好、是否具有正规风险应对机制以及信贷可得性等因素具有显著性，并在此基础上，把银保互动机制引入配对的Logistic模型，检验其是否以及在多大程度上影响农户新技术选择，得到选择银保互动机制的农户采用新技术的可能性是不选择该机制农户的2.969，在促进农户选择新技术的过程中，银保互动机制产生了重要的正向影响。最后，结合本文的分析结果和银保互动发展的实际，从农户自身、农村金融和保险市场、政府等多个角度对银保互动推动农户新技术应用提出了相关政策建议，为农业技术推广提供解决思路。
[Abstract]:Under the background of the rigid restriction of resources such as rural cultivated land, fresh water and the increasing pressure of ecological environment protection, the fundamental way to realize the modernization of agricultural industrialization and the development of integration of urban and rural areas lies in science and technology. As the main application body of modern agricultural science and technology, the behavior of farmers' new technology selection is affected by many factors. The study on the application of new agricultural technology from the perspective of farmers' perspective will have positive and direct effects on improving the conversion rate of agricultural science and technology achievements in China. With agriculture gradually entering the period of high investment, high cost and high risk, financing and agricultural risk management have become the bottleneck of farmers' new technology application. It can effectively alleviate the double constraints of credit and risk to farmers. Therefore, this paper chooses Hengdong County, Hunan Province for field research, through questionnaires and household interviews to obtain relevant data of farmers, to study the interactive mechanism of agricultural credit and agricultural insurance and its impact on farmers' new technology choice. On the basis of literature review and theoretical review, this paper first analyzes the current situation of agricultural credit, agricultural insurance and the application of new technologies, and finds that the extension and application of new technologies of farmers are subject to their own qualities. The characteristics of capital level and risk constraint are more and more obvious, and the credit support and risk guarantee are needed. The interactive mechanism of bank and insurance can not only share the risk for agricultural production, but also alleviate the credit constraint of farmers effectively. From the perspective of economics, this paper analyzes the mechanism of bancassurance interaction in the choice of new technology for farmers, and introduces the policy environment, concrete practice and main models in the early stage of the development of bancassurance interaction in China. Through the specific investigation and basic statistical analysis of the sample area, it is found that the farmers surveyed are generally older, less educated, less cultivated area, lower annual household income, and less aware of insurance. The behavior of farmers' new technology selection is affected by individual characteristics, economic production characteristics, institutional environment and other factors. Fourthly, the factors affecting farmers' new technology choice are analyzed by using the optimal scale regression method, and the education level of farmers is obtained. The land area cultivated, the annual household income, the number of technical information sources, the risk preference, whether there is a formal risk response mechanism and the availability of credit are significant, and on this basis, This paper introduces the bancassurance interaction mechanism into the paired Logistic model to test whether and to what extent it affects farmers' choice of new technologies. The possibility that farmers who choose the bancassurance interaction mechanism can adopt new technology is 2.9699.In the process of promoting farmers to choose new technology, bancassurance interaction mechanism has an important positive influence. Finally, combined with the analysis results of this paper and the reality of the development of bancassurance interaction, this paper puts forward some relevant policy recommendations to promote the new technology application of farmers from the perspectives of farmers themselves, rural financial and insurance market, government and so on. To provide solutions for agricultural technology extension.
【学位授予单位】：江南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F323.3;F842.66

【参考文献】