农险保费补贴、农业规模化和农业生产水平

Agricultural Insurance Premium Subsidy,Agricultural Large-Scale Operation and Agricultural Production level

在无风险RCK模型的基础上逐步引入风险、保险和保费补贴,先通过理论模型探讨了保费补贴的规模效应和风险分散效应通过微观农户对宏观总产值产生的影响,之后基于省级面板数据实证分析了各级保费补贴额度对农业生产水平的影响,并使用中介效应模型进行了机制检验,最后进行了稳健性检验。结果表明:保费补贴主要通过规模效应提高农业生产水平,风险分散的作用不显著,其中中央保费补贴是主导因素;配套补贴制度下,财政压力和应收保费不利于农业生产水平提高。农业保险应提高补贴弹性,建立地区差异化、险种精细化的补贴比例动态调整机制,扩大保障广度和深度。

After gradually introducing the concepts of risk,insurance and premium subsidies into the risk-free RCK model,the paper explored the impact of the scale effect of premium subsidies and the risk diversification effect on macro gross production value based on micro farmers.Then the paper used the provincial panel data to empirically analyze the effects of premium subsidies at all levels on agricultural production level,and used the mediation effect model to make a mechanism test,followed by a robustness test.The results showed that,premium subsidies have increased the level of agricultural production mainly through the scale effect,but the effect of risk diversification was not significant,where central premium subsidy played a dominant role.Considering the supporting subsidy system,both fiscal pressure and premium receivable were not conducive to the improvement of agricultural production level.So we recommended that,agricultural insurance should improve the flexibility of subsidies.Meanwhile,the governments should establish a dynamic adjustment mechanism of subsidy ratio,characterized by regional differentiation and refined insurance types,so as to expand the breadth and depth of insurance coverage.