供给视角下区域农业保险效率的影响研究——基于空间面板数据的计量经济分析

Research on the Impact of Regional Agricultural Insurance Efficiency from the Perspective of Supply——Econometric Analysis Based on Spatial Panel Data

从供给角度出发,选取相对规模、宏观效率、持续发展三类指标衡量黑龙江省农业保险发展水平,并进一步地以综合评分为被解释变量,构造一个多元回归模型,通过对微观层面的2012-2016年间黑龙江省13个城市和地区保险数据的实证研究,得到如下结论:近几年黑龙江省各城市农业保险效率变化不大,鹤岗、黑河等城市始终排在前列;农业保险效率得分每上升1%,农业总产值、播种面积、承保面积分别变动0. 1%、-0. 7%、0. 2%;各城市经济发展水平及第一、二、三产业占比对农业保险发展水平产生影响。

From the perspective of supply,this paper selects three indicators of relative scale,macro efficiency and sustainable development to measure the development level of agricultural insurance in Heilongjiang Province,and further constructs a multiple regression model with comprehensive score as the explanatory variable,through the micro level. The empirical study on insurance data of 13 cities and regions in Heilongjiang Province during 2012 - 2016 concluded that the development of agricultural insurance is more reasonable from the perspective of relative indicators and absolute indicators,and the ability to pay and the degree of coverage are significantly related to the level of agricultural insurance development. Sex,the degree of regional economic development affects the level of agricultural insurance development.