我国农业保险发展影响因素的实证分析

Empirical Analysis of Influencing Factors in China's Agricultural Insurance

我国是一个自然灾害频发的农业大国。各种灾害及事故对我国农村经济的发展产生了极为不利的影响。农业保险通过建立一种有效的风险转移机制,在稳定农业发展、补偿农户收入、保障农户生活等方面发挥着重要的作用。但我国农业保险发展至今,历经起伏。实证分析表明,农业产值增长、农户收入、灾害率以及政府财政补贴政策是影响我国农业保险发展的最主要因素。为此,应从上述几方面着手提升我国农业保险发展效率。

China is an agricultural giant with frequent natural disasters.Various disasters and accidents have extremely adverse impacts upon China＇s agricultural economy.As an effective mechanism of risk transfer,agricultural insurance can play important roles in stabilizing the agricultural development,compensating farmers＇ income,safeguarding farmers＇ life,etc.However,China＇s agricultural insurance has experienced ups and downs till now.The empirical analysis shows that the growth of agricultural production,farmers＇ income,disaster rate and governmental fiscal subsidy policy are the most vital factors to affect the development of China＇s agricultural insurance.Therefore,the efficiency of China＇s agricultural insurance can be enhanced from these aspects.