城镇化对农业保险需求影响机制及干扰因子研究

A Study on the Influence Mechanism and Factors of Urbanization on Agricultural Insurance Demand

本文采用规范分析和实证分析相结合的方法,在新型城镇化的宏观视角下,以农村居民的收入结构的变化为切入点,对微观主体的农业保险需求进行研究,阐述新型城镇化对农业保险需求的影响机制,提出新型城镇化通过影响农村居民收入结构而影响农业保险需求的三条路径。两条路径的作用会增大农业保险需求,而另一条路径的作用会降低农业保险需求,并且这三条路径的作用随着城镇化发展阶段的不同而变化,相互作用,共同对农业保险的需求产生影响。在此基础上,总结出适合我国国情的政策建议。

This paper adopting the method of combining normative analysis and empirical analysis, under the macro perspective of the new urbanization, with the change of the rural residents＂ income structure as the breakthrough point, studies the insurance demands of agricultural insurance as the micro unit. It makes an explanation of influence mechanism of new urbanization on the demands of agricultural insurance and puts forward three paths of the new urbanization by influencing the structure of rural resi- dents income to influence the demand of agricultural insurance. The function of two paths will increase agricultural insurance demand, and the other path reduces the agricultural insurance demand. With dif- ferent urbanization stage of development, the effect of these three paths will change and interact with each other, and have mutual influence on the demand of agricultural insurance. On this basis, the paper sums up several policy suggestions according to the national conditions.