种植行为及保险决策在不同收入结构农户间的差异分析

发布时间：2018-08-23 20:27

【摘要】：本文基于2007—2010年在湖南省常德市匡家桥村对全村农户的连续观察和调研,选择其中连续种植水稻并参与农业保险的农户样本,运用协方差分析模型和分位数回归模型,分析了在受灾概率明显不同的早、晚稻种植上,不同收入结构农户在化肥和农药投入上的差异,并结合参保原因对农户的保险认知与保险产品偏好进行了讨论。结果表明,受灾概率较高时,农业收入占比较低的农户会倾向投入更多的农药,表现出"减损型"的行为特点,他们对保险产品信息的认知更加理性敏锐并更倾向现行灾害农业保险,而农业收入占比较高的农户会倾向投入更多化肥,表现出"增产型"的行为特点,对保险产品的接受相对较慢,并更易受到来自村干部压力和从众心理的影响。受灾概率较低时,"减损型"农户相比"增产型"农户而言,在化学品投入上会有所减少。
[Abstract]:Based on the continuous observation and investigation of farmers in Kuangjiaqiao Village, Changde City, Hunan Province from 2007 to 2010, the samples of farmers who continuously grow rice and participate in agricultural insurance are selected, and covariance analysis model and quantile regression model are used. The difference of fertilizer and pesticide input among farmers with different income structure in early and late rice planting with different disaster probability was analyzed, and the insurance cognition and preference of insurance products were discussed based on the reasons of participating in insurance. The results show that farmers with low agricultural income tend to invest more pesticides when the probability of disaster is high, showing the behavior of "impairment". Their cognition of insurance product information is more rational and sharp, and they tend to the current disaster agricultural insurance, while farmers with higher agricultural income tend to invest more chemical fertilizer, showing the behavior characteristic of "increasing production". The acceptance of insurance products is relatively slow and more susceptible to pressure and herd psychology from village cadres. When the probability of disaster is low, the chemical input of the "impairment" farmers will be reduced compared with the "production increase" farmers.
【作者单位】：北京师范大学地表过程与资源生态国家重点实验室;
【分类号】：F326.11;F842.6;F224

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