《保险研究》20210802-《规模异质性视角下天气指数保险与农户的技术选择偏好——基于田野经济学实验方法》（汤颖梅、徐涛）

［摘   要］近年来,农业规模化经营逐渐成为主流趋势,大规模农户面临的风险相较于小规模农户更为集中,天气指数保险以其独特的优势,有效克服了传统农业保险存在的不足,为农户规避风险提供有力保障。本文采用田野经济学实验方法,通过对黑龙江省的木兰县、呼兰县、通河县以及江苏省的灌云县、句容市进行调研,共收回344个有效样本,利用面板双重差分模型以及Logit模型实证分析了天气指数保险对不同规模农户技术选择偏好的影响。研究发现:天气指数保险对农户技术采用具有促进效应,并且从规模异质视角来看,天气指数保险对大规模经营农户技术采用具有更加显著的促进作用；此外,天气情况、农户个体与家庭特征变量、农户的风险偏好以及政府补贴也是影响农户技术采用的重要因素。

［关键词］规模经营；天气指数保险；技术选择；田野经济学实验

［基金项目］国家自然科学基金项目“天气指数保险需求及其对农户行为影响研究”(项目号:71573129)；南京农业大学人文社科基金创新项目(项目号:skcx2015011)；江苏省高校优势学科建设工程项目(PAPD)阶段性研究成果。

［作者简介］汤颖梅,南京农业大学金融学院、江苏农村金融发展研究中心教授,博士生导师,研究方向:农村金融、农业保险；徐  涛,南京农业大学金融学院硕士研究生,研究方向:公司治理,农业保险。

Weather Index Insurance and Farmers′ Technology Choice Preference from the Perspective of Scale Heterogeneity—Experimental method based on field economics

TANG Ying-mei,XU Tao

Abstract：In recent years,agricultural large-scale operation has gradually become the mainstream trend,and the risks faced by large-scale farmers are more concentrated than those faced by small-scale farmers.With its unique advantages,weather index insurance effectively overcomes the shortcomings of traditional agricultural insurance,and provides a strong guarantee for farmers to avoid risks.Based on the field economics experiment method,this paper investigated Mulan County,Hulan County,Tonghe County in Heilongjiang Province,Guanyun county and Jurong City in Jiangsu Province,and collected 344 effective samples.Using Panel-DID and Logit models,this paper empirically analyzed the influence of weather index insurance on the technology choice preference of farmers with different scales.The results show that:weather index insurance has a promoting effect on farmers′ technology adoption,and from the perspective of scale heterogeneity,weather index insurance has a more significant promoting effect on large-scale farmers′ technology adoption;in addition,weather conditions,individual and family characteristics of farmers,farmers′ risk preference and government subsidies are also important factors affecting farmers′ technology adoption.

Key words：scale operation;weather index insurance;technology selection;field economic experiment