政府介入下农业保险排斥与保险成本分担研究——以新疆地区棉花保险为例

财经论丛 ›› 2022, Vol. 38 ›› Issue (6): 52-60.

政府介入下农业保险排斥与保险成本分担研究——以新疆地区棉花保险为例

杨建刚^1,2, 李玲³

1.石河子大学经济与管理学院,新疆石河子 832000;
2.新疆生产建设兵团第一师教育局,新疆阿拉尔 843300;
3.石河子大学政法学院,新疆石河子 832000

收稿日期:2021-12-10 出版日期:2022-06-10 发布日期:2022-06-09
作者简介:杨建刚(1981—), 男, 新疆哈密人, 石河子大学经济与管理学院博士生, 新疆生产建设兵团第一师教育局中学高级; 李玲(1981—), 女, 甘肃定西人, 石河子大学政法学院教授, 博士。
基金资助:
新疆生产建设兵团哲学社会科学基金项目(17YB03)

Research on Agricultural Insurance Exclusion and Insurance Cost Sharing under Government Intervention: Take Cotton Insurance in Xinjiang as an Example

YANG Jiangang^1,2, LI Ling³

1. School of Economics and Management, Shihezi University, Shihezi 832000, China;
2. Education Bureau of the First Division, Xinjiang Production and Construction Corps, Alar 843300, China;
3. School of Political Science and Law, Shihezi University, Shihezi 832000, China

Received:2021-12-10 Online:2022-06-10 Published:2022-06-09

摘要/Abstract

摘要： 新疆棉花保险中广泛存在棉农自我排斥、营销排斥、地理排斥、评估排斥和保费排斥,造成棉农缴费压力增大、风险保障水平偏低、风险管理手段薄弱、保险补偿难以弥补总成本、干旱和病虫害灾未纳入保险、理赔时间和比例未能有效促进棉农补植等问题。通过构建棉花保险市场主体博弈分析框架,发现只有政府介入棉花保险才存在均衡解,同时保险公司承担的经营费用和棉农愿意承担的保费都低于政府未介入时。因此,需要政府介入,通过政策引导来提高棉花保险的保障水平,创新棉花险种,加快理赔速度,以促进棉花保险职能的有效发挥。

关键词: 新疆棉花, 政府介入, 保险排斥, 成本分担

Abstract: The widespread self-exclusion, marketing exclusion, geographic exclusion, evaluation exclusion, and premium exclusion of farmers growing cotton in Xinjiang cotton insurance has resulted in increased payment pressure for farmers growing cotton, low risk protection levels, weak risk management methods, and insurance compensation that cannot cover the total cost. Drought and pests are not included in the insurance, and the time and proportion of claims have not effectively promoted cotton farmers' replanting. By constructing a game analysis framework for the main players in the cotton insurance market, this paper finds that only the government intervention in the cotton insurance can lead to a balanced solution. At the same time, the operating expenses borne by the insurance company and the insurance premiums that the cotton farmers are willing to bear are lower than the burden of the two parties without government intervention. Therefore, it is necessary to adopt policies guidance to improve the insurance company's protection level for the cotton insurance, formulate differentiated cotton insurance types, timely adjust the claim settlement time and the ratio structure, promote the effective play of the role of the cotton insurance, and stabilize cotton production and cotton farmer's income levels.

Key words: Xinjiang Cotton, Government Intervention, Insurance Exclusion, Cost Sharing

杨建刚, 李玲. 政府介入下农业保险排斥与保险成本分担研究——以新疆地区棉花保险为例[J]. 财经论丛, 2022, 38(6): 52-60.

YANG Jiangang, LI Ling. Research on Agricultural Insurance Exclusion and Insurance Cost Sharing under Government Intervention: Take Cotton Insurance in Xinjiang as an Example[J]. Collected Essays on Finance and Economics, 2022, 38(6): 52-60.

参考文献

[1] 任天驰, 张洪振, 杨汭华. 农业保险保障水平如何影响农业生产效率: 基于鄂、赣、川、滇四省调查数据[J]. 中国人口·资源与环境, 2021, (7): 161-170.
[2] 任天驰, 张洪振, 杨晓慧, 等. 农业保险保障水平与农户生产投资: 一个“倒U型”关系——基于鄂、赣、川、滇四省调查数据[J]. 中国农村观察, 2021,(5): 128-144.
[3] 江生忠, 张煜. 农业保险对农村经济的助力效果分析——基于3SLS方法[J]. 保险研究, 2018,(2): 102-111.
[4] Gehrke E. An Employment Guarantee as Risk Insurance? Assessing the Effects of the NREGS on Agricultural Production Decisions[J]. World Bank Economic Review, 2019, 33(2): 413-435.
[5] 刘玮, 孙丽兵, 庹国柱. 农业保险对农户收入的影响机制研究——基于有调节的中介效应[J/OL]. 农业技术经济,2021,(10): 1-15[2021-11-30]. https:∥kns.cnki.net/kcms/detail/11.1883.S.2021.0930.1030.002.html.
[6] 黄颖, 吕德宏. 农业保险、要素配置与农民收入[J]. 华南农业大学学报(社会科学版), 2021, (2): 41-53.
[7] 邹新阳, 范莉. 我国农业保险保费的最优补贴率研究——基于激励与约束机制[J]. 保险研究, 2021,(8): 3-17.
[8] 李琴英, 崔怡, 陈力朋. 政策性农业保险对农村居民收入的影响——基于2006—2015年省级面板数据的实证分析[J]. 郑州大学学报(哲学社会科学版), 2018, (5): 72-78.
[9] Wu S. N., Goodwin B. K., Coble K. Moral Hazard and Subsidized Crop Insurance[J]. Agricultural Economics, 2020, 51(1): 131-142.
[10] 任天驰, 杨汭华. 小农户衔接现代农业生产: 农业保险的要素配置作用——来自第三次全国农业普查的微观证据[J]. 财经科学, 2020,(7): 41-53.
[11] 张哲晰, 穆月英, 侯玲玲. 参加农业保险能优化要素配置吗?——农户投保行为内生化的生产效应分析[J]. 中国农村经济, 2018,(10): 53-70.
[12] Liu S. W., Zhang P. Y., Marley B., et al. The Factors Affecting Farmers' Soybean Planting Behavior in Heilongjiang Province, China[J]. Agriculture-Basel, 2019, (9): 176-188.
[13] 郭军, 谭思, 孔祥智. 农户农业保险排斥的区域差异: 供给不足还是需求不足——基于北方6省12县种植业保险的调研[J]. 农业技术经济, 2019,(2): 85-98.
[14] Leyshon A., Thrift N. Geographies of Financial Exclusion: Financial Abandonment in Britain and the United States[J]. Transactions of the Institute of British Geographers, 1995, 20(3) : 312-341.
[15] 董晓林, 徐虹. 我国农村金融排斥影响因素的实证分析——基于县域金融机构网点分布的视角[J]. 金融研究, 2012,(9): 115-126.
[16] 尹成杰. 关于推进农业保险创新发展的理性思考[J]. 农业经济问题, 2015, (6): 4-8.