农民保险素养、政策推广对其农业保险参加的影响研究

Research on the Impact of Farmers’ Insurance Literacy and Policy Promotion on Their Participation in Agricultural Insurance

摘要: 探究农民保险素养、政策推广对农民农业保险参加的影响及作用机制，为完善“保险 + 期货”模式，助力乡村振兴具有重大现实意义。本文基于四省2427个农民调查数据，采用Poisson模型、Probit回归模型、OLS模型以及分组回归模型等，实证检验了农民保险素养对农民农业保险参加意愿、行为和效果的影响，以及政策试点地区差异对农民保险素养影响农民农业保险参加的调节效应。结果表明，农民保险素养会显著提升农民参加农业保险的意愿，促进农业保险的参加行为，并对参加农业保险效果产生正向影响。且利用费舍尔组合检验得出政策试点地区差异对农民保险素养影响农民参加农业保险意愿和行为发挥出调节作用，而对参加效果没有发挥出调节作用。为提升农民农业保险的参加，仍需要加强新型农业保险政策的宣传推广，提高农民保险认知；强化制度协助，优化政府帮扶机制；进一步扩大“保险 + 期货”试点地区范围，满足农民对农业保险的需求。

Abstract: Exploring the impact and mechanism of farmers’ insurance literacy and policy promotion on their participation in agricultural insurance is of great practical significance for improving the “insurance + futures” model and helping rural revitalization. This article is based on survey data from 2427 farmers in four provinces, using Poisson model, Probit regression model, OLS model, and grouped regression model to empirically test the impact of farmers’ insurance literacy on their willingness, behavior, and effectiveness in participating in agricultural insurance, as well as the moderating effect of differences in policy pilot areas on farmers’ insurance literacy on their participation in agricultural insurance. The results indicate that farmers’ insurance literacy significantly enhances their willingness to participate in agricultural insurance, promotes their participation behavior in agricultural insurance, and has a positive impact on the effectiveness of participating in agricultural insurance. Using Fisher’s combination test, it was found that the differences in policy pilot areas have a moderating effect on the impact of farmers’ insurance literacy on their willingness and behavior to participate in agricultural insurance, but have no moderating effect on the participation effect. To enhance the participation of farmers in agricultural insurance, it is still necessary to strengthen the promotion and publicity of new agricultural insurance policies and improve farmers’ awareness of insurance; strengthen institutional assistance and optimize government assistance mechanisms; further expand the pilot areas for “insurance + futures” to meet the demand of farmers for agricultural insurance.