《保险研究》20260103-《多保障水平农业保险产品的农户选择行为及补贴政策研究》（刘亚洲、汪文静、陈怡忻、易福金）

［摘   要］我国农业保险存在保障水平单一、产品同质化严重的问题。本文模拟了不同保障水平的水稻产量保险产品，调查了农户对不同保障水平产品的选择偏好；利用农户数据，实证研究了经营规模对农户多保障水平农业保险选择行为的影响，并探讨了补贴对不同规模农户农业保险保障水平选择的影响。研究发现：第一，随着经营规模的扩大，农户对保障水平的选择先上升、后下降，经营规模与保障水平选择呈倒 U 型关系；第二，经营规模通过影响农户的风险态度，进而影响其对不同保障水平农业保险的选择；第三，政府补贴对小规模农户保障水平选择有正向影响，但对大规模农户保障水平选择的影响并不显著，主要原因在于，随着经营规模的扩大，农业保险需求价格弹性减小，政府补贴一定程度的变动不会促使大规模农户改变投保选择。基于以上结论，本文建议发展多层次保障水平农业保险，并实行差别化补贴政策。

［关键词］经营规模;产量保险;保障水平;补贴政策

［基金项目］国家社会科学基金一般项目（25BJY207）；国家自然科学基金-盖茨基金国际合作重点项目（72261147758）。

［作者简介］刘亚洲，上海大学经济学院副教授，硕士生导师；汪文静、陈怡忻，上海大学经济学院硕士研究生；易福金（通讯作者），浙江大学公共管理学院教授，博士生导师。

A Study on Farmers’ Choice Behavior of Multi-coverage Level Agricultural Insurance and Subsidy Policy

LIU Ya-zhou，WANG Wen-jing，CHEN Yi-xin，YI Fu-jin

Abstract：China’s agricultural insurance is confronted with such problems as a single coverage level and severe product homogeneity.This paper simulates rice yield insurance products with different coverage levels and investigates farmers’ preference for these products.Based on farmer survey data，it empirically analyzes the impact of operational scale on farmers’ choice behavior of multi-coverage level agricultural insurance，and explores the influence of government subsidies on the coverage level selection of farmers with different scales.The results show that：（1） with the expansion of operational scale，farmers’ choice of coverage level rises first and then declines，presenting an inverted U-shaped relationship between operational scale and coverage level selection;（2） operational scale affects farmers’ choice of agricultural insurance with different coverage levels by influencing their risk attitudes;（3） government subsidies have a positive impact on the coverage level selection of small-scale farmers，but the impact on large-scale farmers is not significant.The main reason is that as the operational scale expands，the price elasticity of demand for agricultural insurance decreases，so a certain degree of change in government subsidies can not prompt large-scale farmers to adjust their insurance purchase decisions.Based on the above conclusions，this paper suggests that China should develop agricultural insurance with varied coverage levels and implement differentiated subsidy policies.

Key words：operational scale;yield insurance;coverage level;subsidy policy