發(fā)布時間：2018-07-28 15:25

【摘要】：我國農(nóng)業(yè)保險在保費補貼試點以后取得非�？焖俚陌l(fā)展,保費收入、農(nóng)作物覆蓋面積等都大幅提高。但是近年來農(nóng)業(yè)保險增速正在放緩,地區(qū)之間農(nóng)業(yè)保險發(fā)展差距依然顯著,我國各地區(qū)普遍存在的農(nóng)業(yè)保險排斥問題是重要原因。農(nóng)業(yè)保險排斥問題不僅會嚴重影響到我國農(nóng)業(yè)保險的長期穩(wěn)定發(fā)展,也會妨礙農(nóng)業(yè)風險的分散,進而對我國農(nóng)業(yè)造成不利影響。了解農(nóng)業(yè)保險排斥問題,深入分析農(nóng)業(yè)保險排斥的形成機制及其影響因素有助于制定針對性農(nóng)業(yè)保險政策,促進農(nóng)村經(jīng)濟的協(xié)調穩(wěn)健發(fā)展。本文采用2007-2014年的省際面板數(shù)據(jù),基于熵值法和主成分分析法測算了全國31個省(市)的農(nóng)業(yè)保險排斥程度并分析了區(qū)域差異情況。然后在農(nóng)業(yè)保險排斥程度的測算基礎上,以地理位置和糧食主產(chǎn)區(qū)的劃分況作為依據(jù),分樣本研究了不同地區(qū)農(nóng)業(yè)保險排斥的影響因素。研究結論如下:(1)我國農(nóng)業(yè)保險排斥普遍較為嚴重且兩極分化現(xiàn)象明顯,農(nóng)業(yè)保險的使用度和效用度更能反映農(nóng)業(yè)保險排斥程度。研究發(fā)現(xiàn)我國農(nóng)業(yè)保險排斥程度比較穩(wěn)定,有略微的下降,但整體排斥程度嚴重;不同區(qū)域的農(nóng)業(yè)保險排斥程度差異顯著,且兩極分化現(xiàn)象明顯;農(nóng)業(yè)保險的使用度和效用度對降低農(nóng)業(yè)保險排斥程度的作用更大,因此應該進一步擴大農(nóng)業(yè)保險市場規(guī)模。(2)政策環(huán)境和農(nóng)村經(jīng)濟社會資源條件等因素都能顯著影響農(nóng)業(yè)保險排斥,而在不同區(qū)域間有不同的作用效果。實證研究從政策、經(jīng)濟、社會和人文地理方面多角度多層次考察了農(nóng)業(yè)保險排斥的影響因素。農(nóng)業(yè)保險保費補貼、市場集中度、自然災害救助、農(nóng)業(yè)風險水平、農(nóng)民受教育程度、農(nóng)業(yè)綜合開發(fā)項目投入、第一產(chǎn)業(yè)增加值、基礎設施建設、農(nóng)業(yè)收入占比和農(nóng)村金融資源等因素能在不同樣本中不同程度地影響農(nóng)業(yè)保險排斥。(3)降低農(nóng)業(yè)保險市場集中度,加大農(nóng)業(yè)保險補貼等措施能夠顯著降低農(nóng)業(yè)保險排斥,不同區(qū)域可選擇的措施有所不同。在全樣本和子樣本中提高農(nóng)業(yè)保險保費補貼和降低市場集中度都能顯著影響農(nóng)業(yè)保險排斥,其他影響因素在不同地區(qū)的作用效果不同,相關政策需根據(jù)實際情況而定。
[Abstract]:Agricultural insurance in China has achieved a very rapid development after the premium subsidy pilot, premium income, crop coverage area and so on have been greatly increased. However, the growth rate of agricultural insurance is slowing down in recent years, and the gap between regions in the development of agricultural insurance is still significant. The problem of agricultural insurance exclusion is an important reason. The problem of agricultural insurance exclusion will not only seriously affect the long-term stable development of agricultural insurance in China, but also hinder the spread of agricultural risks, and thus adversely affect our agriculture. To understand the problem of agricultural insurance exclusion, to analyze the forming mechanism of agricultural insurance exclusion and its influencing factors are helpful to formulate the targeted agricultural insurance policy and to promote the coordinated and steady development of rural economy. Based on the provincial panel data from 2007 to 2014, this paper calculates the degree of agricultural insurance exclusion in 31 provinces and analyzes the regional differences based on entropy method and principal component analysis method. Then on the basis of measuring the degree of exclusion of agricultural insurance and taking the geographical location and the division of main grain producing areas as the basis, the factors affecting the exclusion of agricultural insurance in different regions are studied in different samples. The main conclusions are as follows: (1) the agricultural insurance exclusion in China is very serious and the phenomenon of polarization is obvious. The utilization degree and utility degree of agricultural insurance can better reflect the degree of agricultural insurance exclusion. The study found that the degree of agricultural insurance exclusion in China is relatively stable, there is a slight decline, but the degree of overall exclusion is serious, the degree of exclusion of agricultural insurance in different regions is significantly different, and the phenomenon of polarization is obvious. The degree of use and utility of agricultural insurance plays a more important role in reducing the degree of exclusion of agricultural insurance. Therefore, the scale of agricultural insurance market should be further expanded. (2) the policy environment and rural economic and social resource conditions can significantly affect the exclusion of agricultural insurance, but have different effects in different regions. The empirical study examines the influencing factors of agricultural insurance exclusion from the perspectives of policy, economy, social and humanistic geography. Agricultural insurance premium subsidy, market concentration, natural disaster relief, agricultural risk level, farmers' education level, investment in comprehensive agricultural development projects, added value of primary industry, infrastructure construction, Factors such as the proportion of agricultural income and rural financial resources can affect the exclusion of agricultural insurance to different extent in different samples. (3) reducing the concentration of agricultural insurance market and increasing the subsidy of agricultural insurance can significantly reduce the exclusion of agricultural insurance. The options vary from region to region. Increasing the premium subsidy of agricultural insurance and reducing the market concentration in the whole sample and sub-sample can significantly affect the exclusion of agricultural insurance. The effects of other influencing factors are different in different regions. The relevant policies should be decided according to the actual situation.
【學位授予單位】：華中農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F842.66

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