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两端约束与两种示范:农业保险何以促进环境友好型技术采纳

Dual information constraints and dual demonstration mechanisms: how agricultural insurance promotes the adoption of environmentally friendly agricultural technologies

  • 摘要: 推进农业全面绿色转型是实现乡村生态振兴与农业高质量发展的重要路径。农业保险作为关键的风险管理工具,在促进农业绿色转型中发挥着日益重要的作用。基于河南、湖北和湖南三省1 051户农户调查数据,本文运用有序Probit模型,实证分析了农业保险对环境友好型农业技术采纳的影响,并从“农险保障端”与“技术采纳端”双重信息约束出发,结合“政府示范”与“邻里示范”两类机制,系统考察其作用障碍与信息疏通路径。研究结果表明:1)农业保险显著促进农户环境友好型农业技术采纳,对资本密集型技术的激励效应更强,且农户对技术失效的忧虑越高,其激励作用越明显;2)“两端信息约束”显著削弱农业保险的激励效应;3)政府示范与邻里示范能够有效缓解信息约束,从而增强农业保险对技术采纳的促进作用;4)具有基层治理经验或加入合作社的农户,由于信息获取能力更强,对农业保险政策的响应更为显著。据此,本文建议应从系统性视角优化农业保险制度设计,协同破解信息约束障碍,提升政策传导效率,在财政支持基础上增强农业保险对农业绿色转型的精准激励与支撑作用。

     

    Abstract: Promoting the comprehensive green transformation of agriculture is an important pathway for achieving rural ecological revitalization and high-quality agricultural development. As a key risk management instrument, agricultural insurance plays an increasingly important role in promoting agricultural green transformation. Based on survey data from 1,051 farm households in Henan, Hubei, and Hunan provinces, this study employs an ordered Probit model to empirically examine the effect of agricultural insurance on the adoption of environmentally friendly agricultural technologies. From the perspective of dual information constraints at the agricultural insurance coverage side and the technology adoption side, and by incorporating two mechanisms of government demonstration and neighborhood demonstration, this study systematically investigates the barriers to this effect and the pathways through which information constraints can be alleviated. The results show that: 1) agricultural insurance significantly promotes the adoption of environmentally friendly agricultural technologies by farm households, with a stronger incentive effect on capital-intensive technologies. This effect becomes more pronounced when farmers have greater concerns about technology failure; 2) dual information constraints significantly weaken the incentive effect of agricultural insurance; 3) government demonstration and neighborhood demonstration can effectively alleviate information constraints, thereby strengthening the positive effect of agricultural insurance on technology adoption; 4) farmers with grassroots governance experience or cooperative membership respond more significantly to agricultural insurance policies because of their stronger information acquisition capacity. Accordingly, this study suggests that the design of agricultural insurance systems should be optimized from a systemic perspective. Information constraints should be addressed in a coordinated manner, policy transmission efficiency should be improved, and the targeted incentive and supportive role of agricultural insurance in agricultural green transformation should be strengthened on the basis of fiscal support.

     

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