耕地规模、农业保险认知及其潜在需求的多样化——基于全国6492个粮食种植户的考察

发布时间：2018-01-07 13:21

本文关键词：耕地规模、农业保险认知及其潜在需求的多样化——基于全国6492个粮食种植户的考察　出处：《财经科学》2017年05期 　论文类型：期刊论文

【摘要】：利用中国保监会采集的全国农业保险需求数据(2013-2014),采用有序选择模型,检验了耕地规模变化对农业保险产品形态需求的影响效应。研究结果表明,粮食种植户以自然风险管理为重,并且表现出依次对保成本、保产量、保价格和保收入的购买意愿存在排序效应。在不同种植规模下,保成本的边际需求效应最大,其次是保产量,其他两种为负。在不同区域中,粮食主产区粮食种植户更倾向于保产量意愿,粮食主销区粮食种植户则更倾向于保收入意愿。因此,建议推进农业保险制度建设,重点完善物化成本保险,分区域有重点地引导保产量和保收入,满足不同规模、不同区域粮食种植户管理风险的需要。
[Abstract]:According to the requirements of the national agricultural insurance data China CIRC acquisition (2013-2014), using the ordered choice model to test the effect of cultivated land change on the scale of agricultural insurance products form demand. The results showed that the Grain Growers in the natural risk management is heavy, and show turn on insurance costs, insurance insurance and insurance price yield. The income of purchase intention is sorting effect. In different planting scale, the marginal demand effect of guaranteed cost is the largest, followed by Paul production, the other two are negative. In different regions, Grain Growers tend to protect yield will, food sales of Grain Growers tend to Paul income intention therefore, suggestions to promote the construction of agricultural insurance system, focus on improving the material cost of insurance, regional focus on guiding Paul yield and insurance income, to meet the different scale, different regions of Grain Growers management The need for risk.

【作者单位】：中国农业大学经济管理学院;
【基金】：国家自然科学基金“农业规模化经营进程中的农作物收入保险需求及应对机制研究”(71473252)
【分类号】：F323.211;F326.11;F842.66
【正文快照】： 一、引言我国农业生产方式正处于由大量分散的小农经营规模向规模化经营模式转变的阶段,粮食生产大户、家庭农场和农民专业合作社等新型经营主体不断涌现,成为我国农业生产发展的必然选择。土地规模扩大在给种植者带来相应效益的同时,也带来了新的风险:其一,规模化加大了自

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