东北大学学报（社会科学版）

东北大学学报（社会科学版） ›› 2016, Vol. 18 ›› Issue (4): 362-368.DOI: 10.15936/j.cnki.1008-3758.2016.04.006

• 经济与管理研究 • 上一篇    下一篇

农业保险参保决策对农民消费行为影响的实证研究

聂荣，沈大娟   

  1. (辽宁大学经济学院，辽宁沈阳110036)
  • 收稿日期:2015-12-20 修回日期:2015-12-20 出版日期:2016-07-25 发布日期:2016-07-25
  • 通讯作者: 聂荣
  • 作者简介:聂荣(1967-)，女，辽宁沈阳人，辽宁大学教授，博士生导师，主要从事技术经济研究;沈大娟(1986-)，女，辽宁葫芦岛人，辽宁大学博士研究生，主要从事技术经济研究。
  • 基金资助:
    教育部人文社会科学规划基金资助项目(14YJA790040);辽宁省教育厅人文社会科学重点研究基地专项资助项目(ZJ2015023);辽宁省社会科学规划基金一般资助项目(L14BJY020)。

An Empirical Study on the Impact of Agricultural Insurance Decision on Farmers Consumption Behavior

NIE Rong， SHEN Da-juan   

  1. (School of Economics， Liaoning University， Shenyang 110036， China)
  • Received:2015-12-20 Revised:2015-12-20 Online:2016-07-25 Published:2016-07-25
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摘要： 农业保险对规避农业生产风险，稳定农户收入水平，提高农户消费能力，进而促进农村经济发展具有重要的作用。从微观角度出发，采用辽宁省农村入户调查数据，运用两阶段最小二乘法等，在理论分析的基础上，实证研究了农户的农业保险参保决策对其消费行为的影响。研究结果表明:农业参保决策对农户消费行为具有显著的正相关关系;在全样本实证研究中医疗及养老保险计划、风险偏好、家庭资产及信贷与农户消费行为正相关，而收入风险及家庭储蓄与消费呈负相关关系。

关键词: 农业保险, 消费行为, 参保决策

Abstract: Agricultural insurance plays an important role in avoiding the risk of agricultural production， stabilizing the level of farmers income， raising the consumption of farmers， and promoting the development of rural economy. From a microscopic perspective， the two-stage least squares method based on theoretical analysis was applied to verify the impact of farmers agricultural insurance decision on their consumption behavior by using the survey data of rural households in Liaoning Province. The results showed that there is a significant positive correlation between farmers agricultural insurance decision and their consumption behavior. In the empirical research on the whole sample， medical insurance and endowment insurance plan， risk preference， family assets and credit are positively correlated with rural households consumption behavior. However， income risk and household savings are negatively correlated with consumption.

Key words: agricultural insurance, consumption behavior, insurance decision

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