农业保险参保行为对农户投入的影响——以有机肥投入为例

发布时间：2018-12-29 08:00

【摘要】：农业保险参保行为是否会影响有机肥的施用?对此进行分析,一方面有助于更好评价农业保险的政策效果;另一方面有助于进一步对现有粮食安全一揽子政策的相互关系做出科学评估。本文基于2015年四省1039户粮食种植户调研数据,以地块为研究对象,采用倾向得分匹配法,实证分析了农业保险参保行为对有机肥施用的影响。结果显示,参保行为对有机肥施用有显著负影响,投保地块有机肥的施用概率比未投保地块低3%~7%左右。这表明,我国"低保障、广覆盖"的农业保险制度中,道德风险的负面影响不可忽视。研究结论表明,政府不同的财政支持政策的激励可能存在不一致,从而难以最大程度发挥政策效果。因此,未来农业保险政策的改善,要有效规避其对长期投入的可能的负面影响;同时增强不同激励政策之间的协调性。
[Abstract]:Does the behavior of participating in agricultural insurance affect the application of organic fertilizer? On the one hand, it is helpful to evaluate the policy effect of agricultural insurance better; on the other hand, it is helpful to make a scientific evaluation of the interrelation of the existing food security policy. Based on the survey data of 1039 grain growers in four provinces in 2015, the effect of agricultural insurance on the application of organic fertilizer was analyzed by using the tendency score matching method. The results showed that the insured behavior had a significant negative effect on the application of organic fertilizer, and the probability of applying organic fertilizer in insured plots was about 3% lower than that in uninsured plots. This shows that the negative influence of moral hazard can not be ignored in the agricultural insurance system with low security and wide coverage. The results show that the incentives of different government financial support policies may be inconsistent, so it is difficult to maximize the effectiveness of the policies. Therefore, the improvement of agricultural insurance policy in the future should effectively avoid its possible negative impact on long-term investment and enhance the coordination between different incentive policies.
【作者单位】：中国农业科学院农业经济与发展研究所;中国人民大学农业与农村发展学院;
【基金】：国家自然科学基金项目“气候变化条件下农户投保行为与风险管理研究”(编号:71373264),“土地流转背景下农地经营投资行为与耕地质量提升研究”(编号:71573262) 中国农业科学院科技创新工程(编号:ASTIP-IAED-2017-03)
【分类号】：F842.66

【相似文献】