农户兼业化对农业保险赔付的影响机制研究OACHSSCD

Agricultural insurance is a core policy tool for stabilizing farmers'income,but its effectiveness may be structurally constrained due to the process of farmers'part-time farming.Under the trend of part-time farming,farmers share the benefits of economic growth through optimizing labor allocation,while their agricultural production behavior and risk management model undergo significant changes.This study does not deny the guarantee function of agricultural insurance,but based on the common fact of farmers'part-time farming,it reveals the mechanism through which it affects the compensation rate through income effect and crowding-out effect,providing a basis for optimizing the design of agricultural insurance policies,and helping agricultural insurance achieve the dual goals of"risk dispersion"and"agricultural production behavior adaptation"in rural revitalization.This research used the survey data of 1 108 corn-growing farmers from 626 county-level insurance agencies in Shandong province to measure the degree of part-time farming from two dimensions:the proportion of non-agricultural labor and the proportion of non-agricultural income.Through the dual perspectives of crowding-out effect and income effect,it conducted theoretical analysis and empirical testing to reveal the impact mechanism and effect of part-time farming on the compensation rate of agricultural insurance.The results showed that:(1)Part-time farming significantly positively affected the compensation rate of agricultural insurance through labor reallocation and changes in income structure.The mechanism lay in that part-time farming through the crowding-out effect occupied farmers'agricultural production time and energy,and through the income effect reduced the proportion of family agricultural income,weakening farmers'dependence on agriculture,and thereby reducing production investment;(2)The income effect of part-time farming was stronger than its crowding-out effect.(3)Heterogeneity analysis showed that the impact of part-time farming on insurance claims was significantly different due to farmers'understanding of insurance terms and the timeliness of the return visit of insurance companies.Against this backdrop,this research puts forward targeted policy recommendations from the perspectives of farmers and insurance companies to mitigate the adverse effects of part-time farming on the agricultural insurance compensation rate.The specific measures include improving the insurance awareness of part-time farmers and promoting sound moral norms in agricultural insurance practices,enhancing insurance companies'risk assessment and forecasting capabilities for part-time farmers,strengthening field investigation and verification for part-time farmers with a high degree of part-time farmeing,and optimizing the premium rating adjustment coefficient for part-time farmers.