我国政策性农业保险对农民收入的影响研究
发布时间：2018-12-12 12:10
【摘要】：农业是我国的支柱产业,农业的弱质性及农业风险的特殊性决定了农业保险在分散风险、保障农民收入方面的重要作用。农业保险对农民收入有正负两个方面的影响,良好的农业保险制度能够促进农民收入增加,农民收入水平的提高也会增加其投保需求。本文通过研究我国政策性农业保险的发展对农民收入的影响,检验我国政策性农业保险试点自2004年以来开展的效率,为完善我国的农业保险制度,促进农业保险发展和提高农民收入水平提出相关建议。文章剖析了政策性农业保险对农民收入影响的路径,分析了我国农业保险滞后发展和农民收入偏低相互影响的现状。选取我国31个省(市)2004年—2012年的农业保险保费收入和农民家庭生产经营收入的数据建立面板VAR模型进行实证分析,得出政策性农业保险和农民收入之间存在长期稳定的均衡关系,政策性农业保险对农民增收有促进作用,但作用效果较小且存在滞后,一般滞后一到两年,农民收入的增加也会在一定程度上增加政策性农业保险的实际需求。最后,从资金支持、制度构建以及人才培养三个方面提出了促进我国政策性农业保险发展和农民增收的政策建议。
[Abstract]:Agriculture is the pillar industry of our country. The weakness of agriculture and the particularity of agricultural risk determine the important role of agricultural insurance in dispersing risks and protecting farmers' income. Agricultural insurance has a positive and negative impact on farmers' income. A good agricultural insurance system can promote the increase of farmers' income, and the increase of farmers' income level will also increase their demand for insurance. By studying the impact of the development of policy-oriented agricultural insurance on farmers' income, this paper examines the efficiency of China's policy-oriented agricultural insurance pilot project since 2004, in order to improve the agricultural insurance system in China. To promote the development of agricultural insurance and raise farmers' income level put forward relevant suggestions. This paper analyzes the influence of policy agricultural insurance on farmers' income, and analyzes the current situation of the backward development of agricultural insurance and the low income of farmers in China. From 2004 to 2012, the data of agricultural insurance premium income and farmers' household income from 2004 to 2012 in 31 provinces (cities) of China were selected to establish a panel VAR model for empirical analysis. It is concluded that there is a long-term and stable equilibrium relationship between policy-oriented agricultural insurance and farmers' income. Policy agricultural insurance can promote farmers' income, but the effect is relatively small and lags behind, which generally lags by one to two years. The increase of farmers' income will also increase the actual demand of policy-oriented agricultural insurance to a certain extent. Finally, the paper puts forward some policy suggestions to promote the development of policy-oriented agricultural insurance and increase farmers' income from three aspects: fund support, system construction and personnel training.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F323.8;F842.66
本文编号：2374526
[Abstract]:Agriculture is the pillar industry of our country. The weakness of agriculture and the particularity of agricultural risk determine the important role of agricultural insurance in dispersing risks and protecting farmers' income. Agricultural insurance has a positive and negative impact on farmers' income. A good agricultural insurance system can promote the increase of farmers' income, and the increase of farmers' income level will also increase their demand for insurance. By studying the impact of the development of policy-oriented agricultural insurance on farmers' income, this paper examines the efficiency of China's policy-oriented agricultural insurance pilot project since 2004, in order to improve the agricultural insurance system in China. To promote the development of agricultural insurance and raise farmers' income level put forward relevant suggestions. This paper analyzes the influence of policy agricultural insurance on farmers' income, and analyzes the current situation of the backward development of agricultural insurance and the low income of farmers in China. From 2004 to 2012, the data of agricultural insurance premium income and farmers' household income from 2004 to 2012 in 31 provinces (cities) of China were selected to establish a panel VAR model for empirical analysis. It is concluded that there is a long-term and stable equilibrium relationship between policy-oriented agricultural insurance and farmers' income. Policy agricultural insurance can promote farmers' income, but the effect is relatively small and lags behind, which generally lags by one to two years. The increase of farmers' income will also increase the actual demand of policy-oriented agricultural insurance to a certain extent. Finally, the paper puts forward some policy suggestions to promote the development of policy-oriented agricultural insurance and increase farmers' income from three aspects: fund support, system construction and personnel training.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F323.8;F842.66
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