农业保险的经营模式、保障水平与减贫效应

Operation Model, Guarantee Level and Poverty Reduction Effect of Agricultural Insurance

基于2016年我国30个省(市、自治区)的相关数据,运用主成分分析法对这些地区的减贫效应进行综合评估。分析结果表明,新疆、内蒙古、黑龙江的减贫效应最显著,这与推行了适宜的农险模式是分不开的;财政补贴力度大的地区中,上海、北京的减贫效应排名前列,河南、安徽等农业大省的减贫效应仅处于中间位置,这表明要通过农业保险达到最大减贫效应,需找到财政补贴的最优值,来平衡各方主体的利益,综合兼顾"质"和"量"。因此,政府要分地区制定符合地方实际的农业保险政策,因地制宜地推行适合当地实情的农险模式,确保有效助推反贫困事业发展。

Based on the relevant data of 30 provinces,municipalities and autonomous regions in China in 2016,this paper makes a comprehensive evaluation of the poverty reduction effect in these regions with the principal component analysis method. The results show that the effect in Xinjiang,Inner Mongolia and Heilongjiang is the most obvious,which is inseparable from the implementation of appropriate agricultural insurance;among the regions with much financial subsidy,the effect in Shanghai and Beijing is at the top level,and that in Henan,Anhui and some other agricultural provinces at the middle level,which indicates that to achieve the maximum effect through agricultural insurance,it is necessary to set an optimal value of financial subsidy to balance the interests of all parties and give comprehensive consideration to both “quality” and “quantity”. Therefore,government should formulate agricultural insurance policies and implement agricultural insurance in accordance with local conditions of different regions so as to effectively promote the development of anti-poverty cause.