基于Heckman模型的农业收入保险支付意愿及其水平影响因素研究——以湖南永州339户水稻种植户为例

Factors Influence Rice Farmers’ Willing and Amount to Pay Based on Heckman Model

主粮收入保险是粮食目标价格改革的重要方向,是农户借以应对自然风险和市场风险的有效手段.针对经过保费精算的水稻收入保险产品,研究农户支付意愿及其水平的影响因素,对推广水稻收入保险具有重要实践意义.以湖南省永州市零陵地区339户水稻种植户为样本,从户主特征、家庭生计资本、风险态度与认知、保险产品认知等方面构建指标,采用Heckman两阶段模型对影响水稻种植户收入保险支付意愿及其水平的主要因素进行实证研究.结果显示保险费率、保障水平和保费补贴水平的认知、风险态度、家庭劳动力和家庭收入等显著影响农户的支付意愿;家庭水稻种植面积、家庭收入和补贴水平认知均正向显著影响支付意愿水平.据此提出了土地集中经营、保险产品及风险意识的培训和保费补贴等方面的政策建议.

Main grain revenue insurance is a direction of target price reform,and an effective means for farmers to resist natural and market risks.In order to extend rice revenue insurance,it is of great practical significance to study the influencing factors of farmers’ willingness to pay and the level of payment.Based on data of 339 rice farmers in Lingling District of Yongzhou City,Hunan Province,we had studied the main factors affecting rice farmers’ willingness to pay and payment level by using Heckman two-stage model from fours aspects of indicators,household characteristics,livelihood capital,risk attitude and awareness,insurance awareness.It shows that cognition of premium rate,security level and subsidy ratio,risk attitude,family labor and income significantly affect farmers’ willingness to pay,educational level of household head,farming area,household income and cognition of subsidy ratio have significant positive impact on willingness to pay.Suggestions on land circulation,training of insurance product and risk awareness premium subsidy level are put forward.