农业保险如何影响我国农村居民消费?—来自省际面板数据的检验

How Does Agricultural Insurance Affect the Consumption of Rural Residents in China?——Inspection From Provincial Panel Data

文章从农业保险保障水平和农业保险补偿水平两个维度出发,首先基于消费理论分析农业保险影响农村居民消费的机理,然后使用我国30个省(自治区、直辖市)2007~2017年面板数据,采用动态差分GMM模型进行实证检验。研究结果表明:农业保险保障水平对农村居民消费具有显著的促进作用,农业保险补偿水平对农村居民消费具有显著的抑制作用,农业保险总效应是正向影响农村居民消费。最后,依据结论提出了相关对策建议。

Based on the two levels of agricultural insurance security level and agricultural insurance compensation level,the article first analyzes the mechanism of agricultural insurance affecting rural residents’consumption based on consumption theory,and then uses the panel data of 30 provinces(autonomous regions and municipalities)in China from 2007 to 2017.The differential GMM model was tested empirically.The research results show that the level of agricultural insurance guarantee has a significant role in promoting rural residents’consumption.The level of agricultural insurance compensation has a significant inhibitory effect on rural residents’consumption.The total effect of agricultural insurance is positively affecting rural residents’consumption.Finally,based on the conclusions,relevant countermeasures and suggestions are proposed.