农业保险排斥区域差异及其影响因素研究
发布时间：2018-07-28 15:25
【摘要】：我国农业保险在保费补贴试点以后取得非常快速的发展,保费收入、农作物覆盖面积等都大幅提高。但是近年来农业保险增速正在放缓,地区之间农业保险发展差距依然显著,我国各地区普遍存在的农业保险排斥问题是重要原因。农业保险排斥问题不仅会严重影响到我国农业保险的长期稳定发展,也会妨碍农业风险的分散,进而对我国农业造成不利影响。了解农业保险排斥问题,深入分析农业保险排斥的形成机制及其影响因素有助于制定针对性农业保险政策,促进农村经济的协调稳健发展。本文采用2007-2014年的省际面板数据,基于熵值法和主成分分析法测算了全国31个省(市)的农业保险排斥程度并分析了区域差异情况。然后在农业保险排斥程度的测算基础上,以地理位置和粮食主产区的划分况作为依据,分样本研究了不同地区农业保险排斥的影响因素。研究结论如下:(1)我国农业保险排斥普遍较为严重且两极分化现象明显,农业保险的使用度和效用度更能反映农业保险排斥程度。研究发现我国农业保险排斥程度比较稳定,有略微的下降,但整体排斥程度严重;不同区域的农业保险排斥程度差异显著,且两极分化现象明显;农业保险的使用度和效用度对降低农业保险排斥程度的作用更大,因此应该进一步扩大农业保险市场规模。(2)政策环境和农村经济社会资源条件等因素都能显著影响农业保险排斥,而在不同区域间有不同的作用效果。实证研究从政策、经济、社会和人文地理方面多角度多层次考察了农业保险排斥的影响因素。农业保险保费补贴、市场集中度、自然灾害救助、农业风险水平、农民受教育程度、农业综合开发项目投入、第一产业增加值、基础设施建设、农业收入占比和农村金融资源等因素能在不同样本中不同程度地影响农业保险排斥。(3)降低农业保险市场集中度,加大农业保险补贴等措施能够显著降低农业保险排斥,不同区域可选择的措施有所不同。在全样本和子样本中提高农业保险保费补贴和降低市场集中度都能显著影响农业保险排斥,其他影响因素在不同地区的作用效果不同,相关政策需根据实际情况而定。
[Abstract]:Agricultural insurance in China has achieved a very rapid development after the premium subsidy pilot, premium income, crop coverage area and so on have been greatly increased. However, the growth rate of agricultural insurance is slowing down in recent years, and the gap between regions in the development of agricultural insurance is still significant. The problem of agricultural insurance exclusion is an important reason. The problem of agricultural insurance exclusion will not only seriously affect the long-term stable development of agricultural insurance in China, but also hinder the spread of agricultural risks, and thus adversely affect our agriculture. To understand the problem of agricultural insurance exclusion, to analyze the forming mechanism of agricultural insurance exclusion and its influencing factors are helpful to formulate the targeted agricultural insurance policy and to promote the coordinated and steady development of rural economy. Based on the provincial panel data from 2007 to 2014, this paper calculates the degree of agricultural insurance exclusion in 31 provinces and analyzes the regional differences based on entropy method and principal component analysis method. Then on the basis of measuring the degree of exclusion of agricultural insurance and taking the geographical location and the division of main grain producing areas as the basis, the factors affecting the exclusion of agricultural insurance in different regions are studied in different samples. The main conclusions are as follows: (1) the agricultural insurance exclusion in China is very serious and the phenomenon of polarization is obvious. The utilization degree and utility degree of agricultural insurance can better reflect the degree of agricultural insurance exclusion. The study found that the degree of agricultural insurance exclusion in China is relatively stable, there is a slight decline, but the degree of overall exclusion is serious, the degree of exclusion of agricultural insurance in different regions is significantly different, and the phenomenon of polarization is obvious. The degree of use and utility of agricultural insurance plays a more important role in reducing the degree of exclusion of agricultural insurance. Therefore, the scale of agricultural insurance market should be further expanded. (2) the policy environment and rural economic and social resource conditions can significantly affect the exclusion of agricultural insurance, but have different effects in different regions. The empirical study examines the influencing factors of agricultural insurance exclusion from the perspectives of policy, economy, social and humanistic geography. Agricultural insurance premium subsidy, market concentration, natural disaster relief, agricultural risk level, farmers' education level, investment in comprehensive agricultural development projects, added value of primary industry, infrastructure construction, Factors such as the proportion of agricultural income and rural financial resources can affect the exclusion of agricultural insurance to different extent in different samples. (3) reducing the concentration of agricultural insurance market and increasing the subsidy of agricultural insurance can significantly reduce the exclusion of agricultural insurance. The options vary from region to region. Increasing the premium subsidy of agricultural insurance and reducing the market concentration in the whole sample and sub-sample can significantly affect the exclusion of agricultural insurance. The effects of other influencing factors are different in different regions. The relevant policies should be decided according to the actual situation.
【学位授予单位】：华中农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.66
本文编号：2150695
[Abstract]:Agricultural insurance in China has achieved a very rapid development after the premium subsidy pilot, premium income, crop coverage area and so on have been greatly increased. However, the growth rate of agricultural insurance is slowing down in recent years, and the gap between regions in the development of agricultural insurance is still significant. The problem of agricultural insurance exclusion is an important reason. The problem of agricultural insurance exclusion will not only seriously affect the long-term stable development of agricultural insurance in China, but also hinder the spread of agricultural risks, and thus adversely affect our agriculture. To understand the problem of agricultural insurance exclusion, to analyze the forming mechanism of agricultural insurance exclusion and its influencing factors are helpful to formulate the targeted agricultural insurance policy and to promote the coordinated and steady development of rural economy. Based on the provincial panel data from 2007 to 2014, this paper calculates the degree of agricultural insurance exclusion in 31 provinces and analyzes the regional differences based on entropy method and principal component analysis method. Then on the basis of measuring the degree of exclusion of agricultural insurance and taking the geographical location and the division of main grain producing areas as the basis, the factors affecting the exclusion of agricultural insurance in different regions are studied in different samples. The main conclusions are as follows: (1) the agricultural insurance exclusion in China is very serious and the phenomenon of polarization is obvious. The utilization degree and utility degree of agricultural insurance can better reflect the degree of agricultural insurance exclusion. The study found that the degree of agricultural insurance exclusion in China is relatively stable, there is a slight decline, but the degree of overall exclusion is serious, the degree of exclusion of agricultural insurance in different regions is significantly different, and the phenomenon of polarization is obvious. The degree of use and utility of agricultural insurance plays a more important role in reducing the degree of exclusion of agricultural insurance. Therefore, the scale of agricultural insurance market should be further expanded. (2) the policy environment and rural economic and social resource conditions can significantly affect the exclusion of agricultural insurance, but have different effects in different regions. The empirical study examines the influencing factors of agricultural insurance exclusion from the perspectives of policy, economy, social and humanistic geography. Agricultural insurance premium subsidy, market concentration, natural disaster relief, agricultural risk level, farmers' education level, investment in comprehensive agricultural development projects, added value of primary industry, infrastructure construction, Factors such as the proportion of agricultural income and rural financial resources can affect the exclusion of agricultural insurance to different extent in different samples. (3) reducing the concentration of agricultural insurance market and increasing the subsidy of agricultural insurance can significantly reduce the exclusion of agricultural insurance. The options vary from region to region. Increasing the premium subsidy of agricultural insurance and reducing the market concentration in the whole sample and sub-sample can significantly affect the exclusion of agricultural insurance. The effects of other influencing factors are different in different regions. The relevant policies should be decided according to the actual situation.
【学位授予单位】：华中农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.66
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