风险感知对农户水稻收入保险购买决策的影响——基于风险管理行为的调节作用

江西财经大学学报 ›› 2023, Vol. 0 ›› Issue (1): 76-89.

风险感知对农户水稻收入保险购买决策的影响——基于风险管理行为的调节作用

黄惠春, 钱诚

南京农业大学金融学院,江苏南京 210095

收稿日期:2022-09-07 修回日期:2022-10-30 发布日期:2023-02-15
通讯作者: 黄惠春,南京农业大学教授,博士生导师,主要从事农村金融研究,联系方式huanghuichun@njau.edu.cn。
作者简介:钱诚,南京农业大学博士研究生,主要从事农村金融研究。
基金资助:
国家自然科学基金面上项目“农业经营体系创新视角下抵押替代合约演进与融资效率研究”（71873066）

The Influence of Risk Perception on Farmers' Decision to Purchase Rice Revenue Insurance: the Moderating Effect Based on Risk Management Behavior

HUANG Hui-chun, QIAN Cheng

Nanjing Agricultural University, Nanjing 210095, China

Received:2022-09-07 Revised:2022-10-30 Published:2023-02-15

摘要/Abstract

摘要： 水稻收入保险是我国农业保险创新的重要险种。基于江苏省3市6县（区）461户农户的问卷调查,实证检验了风险感知对农户水稻收入保险购买决策的影响,并考察风险管理行为和农业经营主体类型的调节效应。研究发现：第一,风险感知水平对农户水稻收入保险购买意愿与支付意愿存在显著的正向影响。第二,农户自然风险管理行为负向调节风险感知水平对水稻收入保险购买意愿和支付意愿的影响。第三,从经营主体类型看,自然风险感知水平对家庭农场与农民专业合作社等各类新型农业经营主体的水稻收入保险购买意愿的影响更大。据此,建议优化水稻收入保险合同条款、完善农业保险服务网络、加强农业风险大数据共享平台建设以及健全多层次农业风险管理体系。

关键词: 风险感知, 购买决策, 风险管理行为, 水稻收入保险

Abstract: The rice revenue insurance is an important type of insurance of agricultural insurance innovation in China. Based on the questionnaire survey of 461 farmers in 3 cities and 6 counties in Jiangsu Province, this paper conducts an empirical test on the impact of risk perception on farmers' decision to purchase rice revenue insurance, and examines the moderating effect of risk management behavior and the entity types of agricultural business. The findings show that: firstly, the level of risk perception has a significant positive impact on farmers' willingness to purchase and pay for rice revenue insurance; secondly, the natural risk management behavior of the farmers negatively regulates the impact of risk perception on farmers' willingness to purchase and pay for rice revenue insurance; thirdly, from the perspective of the types of business entities, the level of natural risk perception has a greater impact on the purchasing intention of rice revenue insurance of the family farms, the farmers' professional cooperatives and other different kinds of new-type agricultural business entities. Therefore, it is suggested to optimize the terms of rice revenue insurance contracts, improve the agricultural insurance service network, strengthen the construction of agricultural risk big data sharing platforms, and improve the multi-level agricultural risk management systems.

Key words: risk perception, purchase decision, risk management behavior, rice revenue insurance

中图分类号:

F840.66

黄惠春, 钱诚. 风险感知对农户水稻收入保险购买决策的影响——基于风险管理行为的调节作用[J]. 江西财经大学学报, 2023, 0(1): 76-89.

HUANG Hui-chun, QIAN Cheng. The Influence of Risk Perception on Farmers' Decision to Purchase Rice Revenue Insurance: the Moderating Effect Based on Risk Management Behavior[J]. Journal of Jiangxi University of Finance and Economics, 2023, 0(1): 76-89.

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