农业保险微观效用与粮食安全的关联度

发布时间：2018-05-25 22:49

本文选题：农业保险 + 粮食安全　；参考：《改革》2017年09期

【摘要】：选择粮食主产区的安徽省15个区县的574户粮食种植户进行实地调查,通过相关性分析、因子分析和逐步回归等方法,就收入风险与保险意识对农业保险微观效用的影响进行探讨,研究发现:在土地流转和农户群体分化背景下,新型农业经营主体面临收入来源的单一化和收入风险的集聚化,收入结构的变动已然成为影响农户收入风险和保险效用的核心变量;农户保险意识受自身认知水平与农耕经验所限,保险意识对保险效用的影响大于收入变动风险。为此,一方面须关注从普惠制的农业保险向精耕细作的农业风险管理模式转变,不仅要为农户群体提供基本的事后风险融资与损失补偿,更要面向新型农业经营主体开发多样化的、全方位的农业风险管理工具;另一方面须在遵从农业供给侧改革的大背景下,发挥保险经营机构的风险测度与精算技术优势,积极进行农业保险的险种创新。
[Abstract]:In this paper, 574 grain growers in 15 districts and counties of Anhui Province in the main grain producing areas are selected for field investigation. Through the methods of correlation analysis, factor analysis and stepwise regression, This paper probes into the influence of income risk and insurance consciousness on the micro-utility of agricultural insurance, and finds out that under the background of land circulation and the differentiation of farmers' groups, the new agricultural management subject is faced with the unitization of income sources and the agglomeration of income risks. The change of income structure has already become the core variable that affects farmers' income risk and insurance utility, and the farmers' insurance consciousness is limited by their own cognition level and farming experience, and the influence of insurance consciousness on insurance utility is greater than the risk of income change. Therefore, on the one hand, we should pay attention to the transformation from the GSP agricultural insurance to the agricultural risk management mode of intensive cultivation, not only to provide the basic post-risk financing and loss compensation for the farmers. On the other hand, under the background of agricultural supply-side reform, the risk measurement and actuarial technology advantages of insurance management institutions should be brought into full play. Actively carry out the innovation of agricultural insurance.
【作者单位】：华东师范大学统计学院;国务院发展研究中心金融研究所;
【基金】：国家自然“农业气象灾害、政策性农业保险与粮农生产行为:基于苏、皖农户调查的微观实证”(批准号:71403088)
【分类号】：F322;F842.66

【相似文献】