农业保险对农户生产决策的影响:一个文献综述

Impact of Agricultural Insurance on Rural Households' Decision Making:A Literature Review

农业保险是世界各国普遍采用的重要农业支持政策措施。现有研究已突破农业保险在稳定农民收入、保障农产品供给方面的作用,关注到农业保险及补贴对农户生产资源配置和经营行为的影响以及由此带来的环境效应。首先介绍相关理论基础和研究方法,然后从道德风险与逆向选择、农业保险与补贴对农业投入产出的经济影响、对生产要素投入及生产方式及农业生产行为的环境效应三方面对国内外文献进行梳理和归纳,在此基础上提出农业保险影响农户生产决策的2条路径:投入产出影响和环境影响效应,并提出国内进一步深化研究的4个方向。

Agricultural insurance is one of the most popular and most important policies and measurements in the world.Current research has noticed that the function of agricultural insurance has surpassed the stability of farmers＇ income and agricultural product supply.Participating in agricultural insurance and subsidy program can influence both the household＇s resource allocation and operation behavior as well as the environmental effects.This paper first introduces the relevant theory and research method,then organizes and summarizes the literature from both home and abroad from the following three aspects：moral hazard and adverse selection,the economic impacts of agricultural insurance and subsidy on agricultural investment,investment of factors of production and production methods as well as the environmental effect of agricultural production behavior.Consequently,this paper proposes two ways on the influence of agricultural insurance on household＇s production decision-making：input-output impact and environmental effects.This paper finally puts forward four paths on how to further deepen the research.