【摘要】：農(nóng)業(yè)是我國的支柱產(chǎn)業(yè),農(nóng)業(yè)的弱質(zhì)性及農(nóng)業(yè)風險的特殊性決定了農(nóng)業(yè)保險在分散風險、保障農(nóng)民收入方面的重要作用。農(nóng)業(yè)保險對農(nóng)民收入有正負兩個方面的影響,良好的農(nóng)業(yè)保險制度能夠促進農(nóng)民收入增加,農(nóng)民收入水平的提高也會增加其投保需求。本文通過研究我國政策性農(nóng)業(yè)保險的發(fā)展對農(nóng)民收入的影響,檢驗我國政策性農(nóng)業(yè)保險試點自2004年以來開展的效率,為完善我國的農(nóng)業(yè)保險制度,促進農(nóng)業(yè)保險發(fā)展和提高農(nóng)民收入水平提出相關(guān)建議。文章剖析了政策性農(nóng)業(yè)保險對農(nóng)民收入影響的路徑,分析了我國農(nóng)業(yè)保險滯后發(fā)展和農(nóng)民收入偏低相互影響的現(xiàn)狀。選取我國31個省(市)2004年—2012年的農(nóng)業(yè)保險保費收入和農(nóng)民家庭生產(chǎn)經(jīng)營收入的數(shù)據(jù)建立面板VAR模型進行實證分析,得出政策性農(nóng)業(yè)保險和農(nóng)民收入之間存在長期穩(wěn)定的均衡關(guān)系,政策性農(nóng)業(yè)保險對農(nóng)民增收有促進作用,但作用效果較小且存在滯后,一般滯后一到兩年,農(nóng)民收入的增加也會在一定程度上增加政策性農(nóng)業(yè)保險的實際需求。最后,從資金支持、制度構(gòu)建以及人才培養(yǎng)三個方面提出了促進我國政策性農(nóng)業(yè)保險發(fā)展和農(nóng)民增收的政策建議。
[Abstract]:Agriculture is the pillar industry of our country. The weakness of agriculture and the particularity of agricultural risk determine the important role of agricultural insurance in dispersing risks and protecting farmers' income. Agricultural insurance has a positive and negative impact on farmers' income. A good agricultural insurance system can promote the increase of farmers' income, and the increase of farmers' income level will also increase their demand for insurance. By studying the impact of the development of policy-oriented agricultural insurance on farmers' income, this paper examines the efficiency of China's policy-oriented agricultural insurance pilot project since 2004, in order to improve the agricultural insurance system in China. To promote the development of agricultural insurance and raise farmers' income level put forward relevant suggestions. This paper analyzes the influence of policy agricultural insurance on farmers' income, and analyzes the current situation of the backward development of agricultural insurance and the low income of farmers in China. From 2004 to 2012, the data of agricultural insurance premium income and farmers' household income from 2004 to 2012 in 31 provinces (cities) of China were selected to establish a panel VAR model for empirical analysis. It is concluded that there is a long-term and stable equilibrium relationship between policy-oriented agricultural insurance and farmers' income. Policy agricultural insurance can promote farmers' income, but the effect is relatively small and lags behind, which generally lags by one to two years. The increase of farmers' income will also increase the actual demand of policy-oriented agricultural insurance to a certain extent. Finally, the paper puts forward some policy suggestions to promote the development of policy-oriented agricultural insurance and increase farmers' income from three aspects: fund support, system construction and personnel training.
【學位授予單位】：華中科技大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F323.8;F842.66

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