金融素养对粮食作物保险参与决策及参与程度的影响研究
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作者单位:

1.山西财经大学金融学院;2.中国农业大学经济管理学院

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基金项目:

教育部人文社会科学研究青年基金项目(20YJC790006);山西省高等学校哲学社会科学研究项目(2019W068);山西财经大学青年科研基金项目(QN-2019010)


The impacts of financial literacy on the decision-making and the participation degree of grain crop insurance
Author:
Affiliation:

1.School of Finance, Shanxi University of Finance and Economics;2.College of Economics and Management, China Agricultural University

Fund Project:

the Foundation for Young Scholars of Humanity and Social Sciences of the Ministry of Education of China (20YJC790006); Program for the Philosophy and Social Sciences Research of Higher Learning Institutions of Shanxi(2019W068); Youth Research Fund Project of Shanxi University of Finance and Economics (QN-2019010).

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    摘要:

    农业保险是分散农业风险、提高生产效率和保障农户切身利益的重要手段,金融素养则是影响农户参保行为的重要因素。基于金融素养对粮食作物保险参与影响的理论分析,利用中国农业大学2021年“中国农村普惠金融调查”数据,结合中国农村粮食种植户的实际特征,从金融知识和金融能力两个方面构建金融素养评价指标体系,并运用Probit、Tobit模型和工具变量法,探究金融素养对粮食作物保险参与决策和程度的影响效应。结果表明,我国粮食种植户的金融素养水平整体不高,均值为21.746分,且不同群体金融素养水平存在差异。受访者中83.2%购买了农业保险,其金融素养水平均值为22.552分。金融素养水平显著正向影响粮食作物保险参与决策和参与程度,表现为金融素养越高的农户越有可能参与粮食作物保险并提高保费支出。进一步探究金融知识和金融能力的不同影响效应表明,金融知识显著正向影响粮食作物保险参与程度;金融能力对粮食作物保险参与决策呈正向影响,而对参与程度呈负向影响。因此,为有效提高粮食种植户金融素养水平,充分发挥农业保险支农作用,应强化金融宣传教育,注重差异化素养提升,加强金融安全教育,丰富农业保险产品。

    Abstract:

    Agricultural insurance plays a critical role in diversifying agricultural risks, improving production efficiency, and protecting farmers’ interests. While financial literacy is a major factor affecting farmers’ participation rate in crop insurance. Based on a data collected in “China Rural Inclusive Finance Survey” of China Agricultural University in 2021 and applying the theoretical analysis of the impacts of financial literacy on the participation in grain crop insurance, this paper constructed a set of evaluation indicators from two aspects of financial knowledge and financial ability, and examined the impacts of financial literacy on the decision-making and the participation degree of grain crop insurance by the Probit model, Tobit model, and instrumental variable method. Results show that the overall financial literacy level of Chinese grain growers was not high, with an average of 21.746 points, and the financial literacy levels among different groups were different. 83.2% of the respondents bought crop insurance, and their average financial literacy score was 22.552. The financial literacy level had a significant positive effect on both the decision-making and the participation degree of grain crop insurance. Improving farmers’ financial literacy level could increase the chance of participating in crop insurance and raise premiums. This paper further analyzed the separate effects of financial knowledge and financial ability. Financial knowledge had a significant positive effect on the participation degree of crop insurance. While financial ability had a positive effect on the decision-making of participation in crop insurance, but a negative effect on the participation degree of crop insurance. Therefore, to effectively improve the financial literacy level of grain growers and make full use of crop insurance to support agriculture, the government should strengthen financial publicity and education, promote differentiated education, enhance financial security education and enrich agricultural insurance products.

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晁娜娜,崔宇彤,逯婷,杨汭华. 金融素养对粮食作物保险参与决策及参与程度的影响研究[J]. 农业现代化研究, 2022, 43(5): 857-866
CHAO Na-na, CUI Yu-tong, LU Ting, YANG Rui-hua. The impacts of financial literacy on the decision-making and the participation degree of grain crop insurance[J]. Research of Agricultural Modernization, 2022, 43(5): 857-866

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  • 收稿日期:2022-03-28
  • 最后修改日期:2022-07-11
  • 录用日期:2022-07-12
  • 在线发布日期: 2022-10-17
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