中西部地区农业保险与农村金融发展互动关系实证研究

Research on Interactive Relationship between Agricultural Insurance and Rural Financial Development in Central and Western Regions

选取中西部各省区2001-2008年的面板数据,通过协方差分析检验和Hausman检验、面板单位根检验和协整检验等方法对地区农业保险与农村金融发展的相互关系进行实证研究。结果表明中西部农业保险与农村金融发展存在长期均衡和双向因果关系。西部农业保险是农村金融发展的原因,中部这一关系则不成立。中部农业保险与农村金融发展效率之间具有相互推动作用,西部则为抑制作用,但西部农村金融效率却推动了农业保险的发展。进而提出通过加强对中西部地区政策性金融的支持力度,提高农村金融机构在服务＂三农＂方面的投入,扩大政策性农业保险的品种和覆盖范围等建议,发挥两者的相互促进作用。

By selecting the panel data from 2001 to 2008 in central and western regions,I adopt the methods of covariance analysis test,Hausman test,panel unit root test and co-integration test to conduct empirical research on the interactive relationship between agricultural insurance and rural financial development in central and western regions.The results show that there is a long-term balanced and interactive causal relationship between agricultural insurance and rural financial development in central and western regions.The agricultural insurance in western regions is the cause of rural financial development,while such relationship in central regions is not tenable.There is an interactive promotion relationship between agricultural insurance and rural financial development efficiency in central regions,while the relationship between agricultural insurance and rural financial development efficiency in western regions is mutually inhibitive,but the rural financial efficiency in western regions promotes the development of agricultural insurance.Then corresponding suggestions are put forward in order to give full play to the role of mutual promotion between agricultural insurance and rural financial development as follows： reinforce the support degree for policy finance in central and western regions;increase the inputs of rural financial institutions in serving agriculture,countryside and farmers;expand the types and coverage of policy agricultural insurance.