农户对区域指数类农业附加险购买意愿的实证研究——以河北棉花种植户为例

doi:10.3969/j.issn.1004-1524.2021.02.18

浙江农业学报 ›› 2021, Vol. 33 ›› Issue (2): 346-354.DOI: 10.3969/j.issn.1004-1524.2021.02.18

农户对区域指数类农业附加险购买意愿的实证研究——以河北棉花种植户为例

文长存¹(), 孙玉竹²^,^*()

1.浙江省农业科学院农村发展研究所,浙江杭州 310021
2.河北经贸大学商学院,河北石家庄 050061

收稿日期:2020-06-28 出版日期:2021-02-25 发布日期:2021-02-25
通讯作者: 孙玉竹
作者简介:*孙玉竹,E-mail: sunyuzhu1120@126.com
文长存(1987—),女,湖北巴东人,土家族,博士,助理研究员,研究方向为农业经济理论与政策。E-mail: wenchangcun2008@163.com

Analysis on farmers’ willingness to buy agricultural accessory risk based on regional index in China: a case study on cotton growers in Hebei Province

WEN Changcun¹(), SUN Yuzhu²^,^*()

1. Institute of Rural Development, Zhejiang Academy of Agricultural Sciences, Hangzhou 310021, China
2. School of Business, Hebei University of Economics and Business, Shijiazhuang 050061, China

Received:2020-06-28 Online:2021-02-25 Published:2021-02-25
Contact: SUN Yuzhu

摘要/Abstract

摘要：

美国为规避WTO规则,避免贸易争端,推出了可降低勘察定损成本和个人道德风险的区域指数类农业附加险——叠加收入保护计划(STAX)。当前,中国亦面临支棉政策调整、棉农种植意愿趋降等多重压力,如果也实行类似的棉花保险,农户的购买意愿如何?为回答此问题,在剖析STAX内容的基础上,利用河北省棉农调查数据,采用Logit模型对农户购买该类保险产品的意愿进行实证研究。结果表明:支付金额、是否购买棉花主险与农户购买该类保险的意愿呈显著(P<0.05)负相关,种地收入、是否认为保险对稳定种地收入有作用,以及亲人邻里是否愿意购买以整体预期收入为投保标的的棉花保险对农户购买该类保险的意愿有显著(P<0.05)正向影响。据此,提出如下建议:完善保险产品体系,加强棉花农业保险产品创新;提升我国棉花保险的保障水平;加大区域指数类农业附加险在农村的宣传力度和保险知识培训力度,提升农户的保险认知水平。

关键词: 农业保险, 附加险, 叠加收入保护计划

Abstract:

To avoid international trade dispute, the United States launched an agricultural accessory risk based on regional index, cumulative income protection plan (STAX), which could reduce the cost of investigation and personal moral hazard. At present, China faces multiple pressures, such as the adjustment of cotton support policy and the declining plantation willingness of cotton growers. If similar insurance like STAX was introduced in China, would farmers be willing to buy? To answer this question, we first analyzed the content of STAX, and then carried out a survey in cotton growers in Hebei Province, and adopted the Logit model to empirically study the farmers’ willingness to buy such insurance products. The results showed that, the premium and purchase of cotton insurance had significant (P<0.05) negative correlation with farmers’ willing to buy such insurance products. While, income from farming, the recognition of the role of insurance in stabilizing the income from farming and the purchase of insurance with the whole expected income as insurance subject by farmers’ relatives or neighbors had a significant (P<0.05) positive correlation with farmers’ willing to buy such insurance products. Based on these findings, it was suggested that the insurance products system should be improved and innovated. The guarantee level of insurance should be improved. And, the publicity of insurance knowledge should be strengthened to increase the farmers’ recognition toward agricultural insurance.

Key words: agricultural insurance, accessory risk, stacked income protection plan

中图分类号:

文长存, 孙玉竹. 农户对区域指数类农业附加险购买意愿的实证研究——以河北棉花种植户为例[J]. 浙江农业学报, 2021, 33(2): 346-354.

WEN Changcun, SUN Yuzhu. Analysis on farmers’ willingness to buy agricultural accessory risk based on regional index in China: a case study on cotton growers in Hebei Province[J]. Acta Agriculturae Zhejiangensis, 2021, 33(2): 346-354.

图/表 4

参考文献 19

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影响因素 Factors	指标选取 Indicators	变量设定或赋值方法 Defination	编码 Code	预期方向 Expected direction
个体特征 Individual	1.性别 Gender	女,0;男,1 Female, 0; Male, 1	CEN	+/-
characteristics	2.年龄Age	受访者实际年龄Age	AGE	+/-
	3.文化程度 Education level	文盲,0;小学,1;初中,2;高中,3;大学及以上,4 Illiterate, 0; Primary school, 1; Junior high school, 2; Senior high school, 3; College and above, 4	EDU	+
	4.货币的时间偏好 Time preference of money	100元钱一年后农户愿意接受的最低利息 The minimum interest that farmers are willing to accept for 100 yuan after one year	MTP	+/-
	5.风险偏好 Risk appetite	农户对不同投资回报与风险组合的偏好 Farmers’ preference for different investment returns and risk combinations	MRA	+/-
家庭特征 Family	6.家庭人口数 Family number	受访者家庭实人口数 Actual population of interviewee’s family	HNU	+/-
characteristics	7.家庭耕地面积 Cultivated land area/m²	受访者家庭实际耕作田地面积 The area of actually cultivated land by the interviewee’s family	CLQ	+
	8.家庭总收入 Household income/yuan	受访者当年家庭的毛收入 Gross income of interviewee’s family in this year	TIN	+/-
	9.种地收入 Income from farming/yuan	农作物当年毛收入 Gross income from farming in this year	TCI	+/-
	10.贷款额 Loan amount/yuan	受访者家庭当年实际贷款额 Actual loan of the interviewee’s family in this year	LRD	+/-
社会情况 Social situation	11.受访者家庭在县里收入水平 Income level of interviewee’s family in the county	贫困,1;中等偏下,2;中等,3;比较好,4;富裕,5 Poverty, 1; Lower middle, 2; Medium, 3; Relatively good, 4; Rich, 5	HIL	-
	12.是否参加过合作社 Enrollment in cooperative	否,0;是,1 No, 0; Yes, 1	TEM	+
	13.近期是否参加过农技培训 Enrollment in training	否,0;是,1 No, 0; Yes, 1	COP	+
影响因素 Factors	指标选取 Indicators	变量设定或赋值方法 Defination	编码 Code	预期方向 Expected direction
对农业保险的认知与意愿 Cognition and	14.是否听说过农业保险 Do you have knowledge about agricultural insurance	否,0;是,1 No, 0; Yes, 1	HAI	+
willingness of agricultural	15.是否购买棉花主险 Have you bought cotton insurance?	否,0;是,1 No, 0; Yes, 1	BAI	+/-
insurance	16. 是否认为保险对稳定种地收入有作用 Your opinion toward the role of insurance in stabilizing the income from farming	完全没有,1;没有帮助,2;一般,3;有帮助,4;非常有帮助,5 Not at all, 1; No help, 2; General, 3; Helpful, 4; Very helpful, 5	ULT	+
	17.支付金额 Payment	农户获得STAX保险,愿意支付的最高金额 Maximum amount of farmers’ willingness to pay	WTP	-
	18.近5 a受灾情况 Disaster situation in recent 5 years/yuan	近5 a受灾损失金额 Losses from disaster in the past five years	NUH	+
	19.是否曾经发生过“前一期买保险未发生理赔,下一期就停止购买” Have you stopped purchase of insurance when you did not receive compensation	否,0;是,1 No, 0; Yes, 1	NBA	-
	20.亲人邻里是否愿意购买以整体预期收入为投保标的的棉花保险 Would your relatives or neighbors purchase insurance with the whole expected income as insurance subject	否,0;是,1 No, 0; Yes, 1	GRI	+/-

影响因素 Factors	指标选取 Indicators	变量设定或赋值方法 Defination	编码 Code	预期方向 Expected direction
个体特征 Individual	1.性别 Gender	女,0;男,1 Female, 0; Male, 1	CEN	+/-
characteristics	2.年龄Age	受访者实际年龄Age	AGE	+/-
	3.文化程度 Education level	文盲,0;小学,1;初中,2;高中,3;大学及以上,4 Illiterate, 0; Primary school, 1; Junior high school, 2; Senior high school, 3; College and above, 4	EDU	+
	4.货币的时间偏好 Time preference of money	100元钱一年后农户愿意接受的最低利息 The minimum interest that farmers are willing to accept for 100 yuan after one year	MTP	+/-
	5.风险偏好 Risk appetite	农户对不同投资回报与风险组合的偏好 Farmers’ preference for different investment returns and risk combinations	MRA	+/-
家庭特征 Family	6.家庭人口数 Family number	受访者家庭实人口数 Actual population of interviewee’s family	HNU	+/-
characteristics	7.家庭耕地面积 Cultivated land area/m²	受访者家庭实际耕作田地面积 The area of actually cultivated land by the interviewee’s family	CLQ	+
	8.家庭总收入 Household income/yuan	受访者当年家庭的毛收入 Gross income of interviewee’s family in this year	TIN	+/-
	9.种地收入 Income from farming/yuan	农作物当年毛收入 Gross income from farming in this year	TCI	+/-
	10.贷款额 Loan amount/yuan	受访者家庭当年实际贷款额 Actual loan of the interviewee’s family in this year	LRD	+/-
社会情况 Social situation	11.受访者家庭在县里收入水平 Income level of interviewee’s family in the county	贫困,1;中等偏下,2;中等,3;比较好,4;富裕,5 Poverty, 1; Lower middle, 2; Medium, 3; Relatively good, 4; Rich, 5	HIL	-
	12.是否参加过合作社 Enrollment in cooperative	否,0;是,1 No, 0; Yes, 1	TEM	+
	13.近期是否参加过农技培训 Enrollment in training	否,0;是,1 No, 0; Yes, 1	COP	+
影响因素 Factors	指标选取 Indicators	变量设定或赋值方法 Defination	编码 Code	预期方向 Expected direction
对农业保险的认知与意愿 Cognition and	14.是否听说过农业保险 Do you have knowledge about agricultural insurance	否,0;是,1 No, 0; Yes, 1	HAI	+
willingness of agricultural	15.是否购买棉花主险 Have you bought cotton insurance?	否,0;是,1 No, 0; Yes, 1	BAI	+/-
insurance	16. 是否认为保险对稳定种地收入有作用 Your opinion toward the role of insurance in stabilizing the income from farming	完全没有,1;没有帮助,2;一般,3;有帮助,4;非常有帮助,5 Not at all, 1; No help, 2; General, 3; Helpful, 4; Very helpful, 5	ULT	+
	17.支付金额 Payment	农户获得STAX保险,愿意支付的最高金额 Maximum amount of farmers’ willingness to pay	WTP	-
	18.近5 a受灾情况 Disaster situation in recent 5 years/yuan	近5 a受灾损失金额 Losses from disaster in the past five years	NUH	+
	19.是否曾经发生过“前一期买保险未发生理赔,下一期就停止购买” Have you stopped purchase of insurance when you did not receive compensation	否,0;是,1 No, 0; Yes, 1	NBA	-
	20.亲人邻里是否愿意购买以整体预期收入为投保标的的棉花保险 Would your relatives or neighbors purchase insurance with the whole expected income as insurance subject	否,0;是,1 No, 0; Yes, 1	GRI	+/-

变量	CEN	AGE	EDU	MTP	MRA	HNU	CLQ	TIN	TCI	LRD	HIL	TEM	COP	HAI	BAI	ULT	WTP	NUH	NBA
Varibale
AGE	0.50
EDU	0.50	0.58
MTP	0.50	0.84	0.56
MRA	0.50	0.73	0.68	0.66
HNU	0.50	0.84	0.62	0.73	0.83
CLQ	0.50	0.83	0.56	0.99	0.65	0.73
TIN	0.50	0.50	0.50	0.50	0.50	0.50	0.50
TCI	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.56
LRD	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.67	0.68
HIL	0.85	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50
TEM	0.80	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.93
COP	0.77	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.88	0.95
HAI	0.96	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.83	0.78	0.75
BAI	0.76	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.87	0.94	0.99	0.74
ULT	0.96	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.88	0.83	0.79	0.92	0.79
WTP	0.50	1.00	0.58	0.84	0.73	0.85	0.83	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50
NUH	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.56	0.96	0.67	0.50	0.50	0.50	0.50	0.50	0.50	0.50
NBA	0.50	0.55	0.79	0.53	0.61	0.57	0.53	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.55	0.50
GRI	0.76	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.69	0.66	0.64	0.79	0.64	0.74	0.50	0.50	0.50

变量	CEN	AGE	EDU	MTP	MRA	HNU	CLQ	TIN	TCI	LRD	HIL	TEM	COP	HAI	BAI	ULT	WTP	NUH	NBA
Varibale
AGE	0.50
EDU	0.50	0.58
MTP	0.50	0.84	0.56
MRA	0.50	0.73	0.68	0.66
HNU	0.50	0.84	0.62	0.73	0.83
CLQ	0.50	0.83	0.56	0.99	0.65	0.73
TIN	0.50	0.50	0.50	0.50	0.50	0.50	0.50
TCI	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.56
LRD	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.67	0.68
HIL	0.85	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50
TEM	0.80	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.93
COP	0.77	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.88	0.95
HAI	0.96	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.83	0.78	0.75
BAI	0.76	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.87	0.94	0.99	0.74
ULT	0.96	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.88	0.83	0.79	0.92	0.79
WTP	0.50	1.00	0.58	0.84	0.73	0.85	0.83	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50
NUH	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.56	0.96	0.67	0.50	0.50	0.50	0.50	0.50	0.50	0.50
NBA	0.50	0.55	0.79	0.53	0.61	0.57	0.53	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.55	0.50
GRI	0.76	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.50	0.69	0.66	0.64	0.79	0.64	0.74	0.50	0.50	0.50

变量 Variable	系数 Coefficient	标准差 Standard error	Z	P
BAI	-0.851	0.390	-0.18	0.029
ULT	0.460	0.203	2.27	0.023
WTP	-1.036	0.135	-7.67	<0.001
GRI	1.014	0.399	2.54	0.011
TCI	1.122	0.484	2.32	0.020
NBA	-0.061	0.359	-0.17	0.865
LRD	-0.088	0.094	-0.94	0.346
EDU	-0.299	0.220	-1.36	0.175
MRA	0.043	0.099	0.43	0.667
HNU	0.012	0.110	0.11	0.916
CLQ	0.008	0.026	0.29	0.775
TIN	-0.166	0.367	-0.45	0.650

农户对区域指数类农业附加险购买意愿的实证研究——以河北棉花种植户为例

Analysis on farmers’ willingness to buy agricultural accessory risk based on regional index in China: a case study on cotton growers in Hebei Province

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