地方政府支持对农户特色农产品保险决策行为的影响研究——以陕西省苹果保险为例

The Influence of Government Support on Farmers’ Decision-making Behaviors on Agricultural Insurance——Evidences from Shaanxi Apple Insurance

目前我国的农业保险主要是政策性农业保险,政府在保险推行和实施中起到非常重要的作用,因此研究在农业保险实施中政府支持对农户农业保险决策行为的影响是十分必要的。本文基于陕西省2个苹果基地县707户农户微观调查数据,采用Probit和Poisson Hurdle模型,分析了地方政府支持对农户参与苹果保险决策行为的影响。研究发现,地方政府支持对农户参与苹果保险的意愿、行为和次数均有显著的正向影响。在地方政府支持的两个维度变量中,政府补贴对农户参与苹果保险的意愿有显著的正向影响;基层宣传对农户参与苹果保险的意愿、行为和次数均有显著的正向影响。进一步基于农户分化视角的分析发现,政府支持在不同程度上是影响不同种植规模之间农户参与苹果保险的意愿、行为和次数的一个显著性因素。构建和培育完善的农业保险供给市场,规范和改革农业保险政策扶持体系,加强农业保险教育、特别要增强农业保险对农户的吸引力以及农户对农业保险的信任度,是当前中国农业保险市场所持续面临的重要课题。

At present,the agricultural insurance implemented in China is mainly policy agricultural insurance,and the local government plays a very important role in the implementation of the insurance.This is different from the general property insurance.Therefore,it is necessary to study the impact of government support on farmers’ agricultural insurance decision-making behaviors in the implementation of agricultural insurance.Based on the micro survey data of 707 farmers in two apple base counties in Shaanxi Province,we used Probit and Poisson Hurdle model to analyze the impact of government support on farmers’ participation in apple insurance decision-making.The results show that government support has a significant positive impact on the willingness,behaviors and times of farmers to participate in apple insurance.Among the two dimensions of government support,policy subsidy only has a significant positive impact on the willingness of farmers to participate in apple insurance;grass-roots publicity has a significant positive impact on the willingness,behaviors and times of farmers to participate in apple insurance.Further analysis based on the differentiated perspectives of farmers shows that government support is a significant factor influencing farmers’ willingness,behavior and times of participating in apple insurance between different planting scales.Building and cultivating a perfect agricultural insurance supply market,standardizing and reforming the agricultural insurance policy support system,strengthening the education of agricultural insurance,especially enhancing the attraction of and trust in agricultural insurance,are the important issues that China’s agricultural insurance market continues to face.