生计资本、环境胁迫感知对农户参与特色林果产品保险的影响机制与路径解析

Influence Mechanism and Path of Livelihood Capital and Environmental Stress Perception on Farmers'Participation in Special Fruit Product Insurance

特色林果产品保险是降低农户林果种植风险的重要政策工具,但其落地时间较短,推广程度有限。文章基于南疆四地州的1337份调研问卷数据,结合中介模型和组态构型分析,探究农户特色林果产品保险参保行为的影响因素、形成机制和多维度要素组态构型,为农户参保行为研究注入新的思路,有助于改进特色林果产品保险险种设计,促进特色林果产品保险的有效供给。研究发现:人力资本、金融资本、社会资本、自然资本均通过了显著性检验,正向影响农户参保行为,回归系数分别为0.5727、0.6610、0.6425和0.6118,物质资本系数为正,但并不显著;环境胁迫感知正向显著,回归系数为0.5778,感知环境胁迫越严重,农户越倾向于通过参保分散风险;保险认知正向显著,保险费用认知、核损偏差认知、赔付流程认知回归系数分别为0.1645、0.3813、0.1584,保险认可度越高,农户越倾向于参与特色林果产品保险。通过中介检验发现,环境胁迫感知掩盖了生计资本对农户参保行为的真实促进作用,发挥遮掩效应的中介作用,遮掩效应占比为21.41%。通过组态分析发现,农户参保行为可由五种组态构型解释,其中覆盖率最大的为“环境胁迫感知-人力资本-社会资本”主导型,可解释21.88%的农户样本。最后,文章提出简化保险赔付流程、推进保险防灾宣传、促进保险产品改进与服务优化等政策启示。

Special fruit product insurance is an important policy tool to reduce the risk of farmers'fruit planting,but it is not popular in the four regions of southern Xinjiang because the insurance landing time is short.Based on 1337 questionnaires data from four regions of southern Xinjiang,combined with the mediation model,chain mediation model and configuration effect,this paper explored the influencing factors,formation mechanism and configurations of multidimensional element of farmers'participation behavior for special fruit product insurance,which is helpful to improve the insurance design and promote the effective supply of special fruit product insurance.The study found that:Financial capital,human capital,social capital and natural capital had passed the significance test,and had a positive impact on farmers'insurance behavior,the regression coefficients were 0.5727,0.6610,0.6425 and 0.6118,respectively,the coefficient of physical capital was positive,but not significant;environmental stress perception was significantly positive,the regression coefficients was 0.5778.The more serious the perceived environmental stress was,the more likely farmers were to diversify risks through insurance;insurance perception was significantly positive,the regression coefficients of insurance cost cognition,approved loss deviation cognition and claim process cognition were 0.1645,0.3813 and 0.1584,respectively.The higher the recognition of insurance was,the more likely farmers were to participate in special fruit products insurance.Environmental stress perception masked the real promoting effect of livelihood capital on farmers'insurance participation behavior,and played a mediating role in the masking effect,and the masking effect was 21.41%.It was found through configuration analysis,farmers'participation behavior could be explained by five configurations,and the dominant type with the largest coverage rate was"environmental stress perception-human capital-social capital",and this combination could explain 21.88%of the sample.Finally,this paper proposed policy implications to promote the simplification of insurance claim process,disaster prevention for insurance,and improve insurance products and service.