《保险研究》20211203-《参与农作物保险是否促进农户农地转入？——基于内蒙古的微观实证》（柴智慧）

［摘   要］推进农业现代化既需要高质量的农业保险产品提供风险保障,也需要高效率的农地流转市场促进农地规模化经营。本文基于内蒙古609户农户问卷调查数据,分析了参与农作物保险是否会对农户农地转入行为产生影响。研究结果显示,参与农作物保险会使农户农地转入的概率显著提高,使用工具变量解决内生性问题后仍然得到一致的结论,具体的边际效应约为5.85%。异质性分析表明,拥有越高的农业收入占比和越大农地规模的农户家庭,参与农作物保险对其转入农地的正向作用更为显著。农作物保险对激活及完善农地流转市场具有激励作用。

［关键词］农作物保险；农户；保险参与；农地转入

［基金项目］本文为国家自然科学基金(7206030114和71873072)、内蒙古自治区高等学校“青年科技英才计划”(NJYT-19-B10)和内蒙古自然科学基金(2020MS07022)的阶段性研究成果。

［作者简介］柴智慧,内蒙古农业大学经济管理学院副教授、副院长,研究方向:农业保险。

Whether Taking up Crop Insurance can Promote Farmers′ farmland Transfer-in:Based on  A Micro-empirical Analysis in Inner Mongolia

CHAI Zhi-hui

Abstract：Promoting agricultural modernization not only needs high-quality crop insurance products to provide risk protection,but also requires an efficient farmland transfer market to boost large-scale operation.Based on the questionnaire survey data of 609 farmers in Inner Mongolia,this paper analyzed whether participating in crop insurance affected  farmers′ farmland transfer. The results show that,participating in crop insurance significantly increases the probability of farmers′ farmland transfer-in,a consistent conclusion can still be obtained after using instrumental variables to solve the endogenous problem and the concrete marginal effect is about 5.85%. The analysis of heterogeneity shows that those farmer  households with a higher proportion of agricultural income and larger farmland scale purchasing crop  insurance has a more significant positive effect on their farmland transfer-in. Crop insurance can provide the motivation to active and improve the farmland transfer market.

Key words：crop insurance;farmer;insurance uptake;farmland transfer-in