农户参与农民专业合作社对农业保险购买行为的影响OA

Agricultural insurance is an important tool to mitigate agricultural production risks and stabilize farmers'income.Relying on its socialized service functions,farmers'professional cooperatives provide a new pathway to boost farmers'willingness to purchase agricultural insurance and raise its coverage rate.Based on the comprehensive survey data of China's rural revitalization conducted by Rural Development Institute of Chinese Academy of Social Sciences,this paper adopted the propensity score matching method to empirically analyze the impact of farmers'participation in farmers'professional cooperatives on agricultural insurance purchase behavior,and constructed a moderating effect model to explore the moderating effect of social capital in this influence mechanism.The results show that:participation in farmers'professional cooperatives could significantly improve farmers'agricultural insurance purchase behavior,and the conclusions passed robustness tests.Heterogeneity analysis indicated that farmers'participation in farmers'professional cooperatives had a promotional effect that more pronounced among low-income farmers with annual household income below 73 162 yuan and small-scale farmers with cultivated land operation area less than 0.444 hm2.Moderating effect verification confirmed that social capital exerted a significant positive moderating effect on the relationship between farmers'participation in farmers'professional cooperatives and agricultural insurance purchase behavior.Accordingly,this paper puts forward suggestions including fostering new-type agricultural business entities represented by farmers'professional cooperatives,building regular interactive communication platforms,improving the comprehensive service system of agricultural insurance,and promoting agricultural insurance popularization empowered by social capital.The research aims to further improve farmers'initiative in agricultural insurance participation,optimize the agricultural risk prevention and control system,and boost the high-quality development of the agricultural industry.