【作者】 王炎；

【导师】 刘瑞峰；

【作者基本信息】 河南农业大学 ， 农业硕士（专业学位）， 2023， 硕士

【摘要】 农业保险是农村金融服务体系重要组成部分,发挥着分散农业风险、补偿农业生产经营损失、稳定农业生产与农民收入、改善农民福利等功能,是乡村振兴战略政策支持体系重要组成部分。在社会经济推动和国家政策引导下,农户参与农业保险积极性和参与率得到了很大提升。在看到我国农业保险工作取得不错成绩的同时,也应清楚地看到,当前我国农业保险仍处于相对初级的发展阶段,总体发展水平还不够高。一方面,农户农业保险参与意愿受社会信任这一现实社会情境影响,另一方面,风险感知又是农户参保的内在动机,二者是否能形成合力,共同推动农户参与农业保险?如果能形成合力,两者又是以怎样的逻辑关系影响农户农业保险参与意愿?回答这些问题对于从风险感知和社会信任角度,建立健全提高农民收入的政策、机制和制度体系,促进农户农业保险参与等方面具有重要意义。本文在先前学者的研究基础上,依托风险感知理论、社会信任理论和保险需求理论,结合当前国内外有关于农业保险文献,以菊花种植户为调查对象,利用河南省林州市386份微观农户调研数据,首先对林州市菊花产业发展概况与菊花种植户的个人特征、生产经营等情况进行了分析,其次,运用二元Logit模型,在探讨风险感知、社会信任对农业保险参与意愿的影响基础上,进一步分析风险感知与社会信任及其交互项对农户参保意愿的影响。研究结果显示:风险感知、社会信任均正向影响农户农业保险参与意愿,并且社会信任在风险感知对农业保险参与意愿的影响中具有正向调节作用;除了风险感知和社会信任以外,年龄、种植规模、农业收入占比等变量也是影响菊花种植户参保意愿重要因素;不同群体之间受风险感知和社会信任影响存在差异。相较于年龄,风险感知在农业收入占比不同、种植规模不同的农户间差异更为显著。社会信任在高龄农户和小规模农户中的作用更为明显。据此提出增强农户农业保险参与意愿的有效对策:第一、加强农户农业灾害经历体验,增强风险意识,提高农户风险感知水平。第二、营造有利于农业保险参与的社会认同机制,强化人际信任。第三、提高政府的公共服务和有效供给,增强制度信任。第四、完善农业保险制度,提高农户农业保险购买意愿。更多还原

【Abstract】 Agricultural insurance is an important part of the rural financial service system,which plays the functions of dispersing agricultural risks,compensating for agricultural production and operation losses,stabilizing agricultural production and farmers’ income,and improving farmers’ welfare,and is an important part of the rural revitalization strategic policy support system.Under the guidance of social and economic promotion and national policies,the enthusiasm and participation rate of farmers participating in agricultural insurance have been greatly improved.While seeing that China’s agricultural insurance work has achieved good results,we should also clearly see that China’s agricultural insurance is still in a relatively preliminary stage of development,and the overall development level is not high enough.On the one hand,farmers’ willingness to participate in agricultural insurance is affected by the real social situation of social trust,and on the other hand,risk perception is the intrinsic motivation of farmers to participate in insurance.If a joint force can be formed,what kind of logical relationship does the two affect farmers’ willingness to participate in agricultural insurance? Answering these questions is of great significance to establish and improve policies,mechanisms and institutional systems to increase farmers’ income from the perspective of risk perception and social trust,and to promote farmers’ participation in agricultural insurance.Based on the research of previous scholars,relying on risk perception theory,social trust theory and insurance demand theory,combined with the current literature on agricultural insurance at home and abroad,this paper takes chrysanthemum growers as the survey object,and uses 386 micro-farmer survey data in Linzhou City,Henan Province to first analyze the development of chrysanthemum industry in Linzhou City and the personal characteristics,production and operation of chrysanthemum growers.Based on the influence of social trust on the willingness of agricultural insurance participation,the influence of risk perception,social trust and their interaction items on farmers’ willingness to participate in insurance is further analyzed.The results show that: risk perception and social trust both positively affect farmers’ willingness to participate in agricultural insurance,and social trust has a positive moderating effect on the influence of risk perception on agricultural insurance participation intention;In addition to risk perception and social trust,variables such as age,planting scale,and proportion of agricultural income are also important factors affecting the willingness of chrysanthemum growers to participate in insurance;There are differences in risk perception and social trust between different groups.Compared with age,risk perception is more significant among farmers with different agricultural income and different planting scales.The role of social trust is more pronounced in older and small-scale farmers.Based on this,effective countermeasures to enhance farmers’ willingness to participate in agricultural insurance are proposed: first,strengthen farmers’ experience of agricultural disasters,enhance risk awareness,and improve farmers’ risk perception.Second,create a social recognition mechanism conducive to agricultural insurance participation and strengthen interpersonal trust.Third,improve the government’s public services and effective supply,and enhance institutional trust.Fourth,improve the agricultural insurance system and increase the willingness of farmers to purchase agricultural insurance.更多还原