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我国是家禽养殖大国,家禽养殖业是高风险行业,农户投保可以有效减少风险。本文运用结构式保险参与模型和Heckman两阶段模型,基于全国7个蛋鸡养殖大省的农户微观调研数据,对不同经营规模下农户家禽养殖保险参与意愿与保费支付水平进行了实证研究。结果表明:一万只及以上存栏规模农户的参保意愿和保费支付水平明显高于一万只以下存栏规模的农户。同时,较高的保费支出和减少的养殖补贴是制约农户参保意愿提高的主要原因。据此,本文提出针对不同农户群体推广差异化的保险产品,提高地方财政补贴以降低农户保费支出,推动规模化养殖发展等政策建议,以提高农户参保率,发挥家禽养殖保险的风险抵御与保障功能。
China is a big poultry breeding country, poultry farming industry is a high-risk industry, farmers can effectively reduce the risk insurance coverage. Based on the two-stage model of Heckman and the structural insurance participation model, based on the micro-survey data of farmer households in seven farmed chicken farms in China, this paper makes an empirical study on the farmer households’ willingness to participate in insurance and premium payment under different scale of operation. The results showed that the willingness to pay and the level of premium payment of ten thousand or more farmers were obviously higher than those of ten thousand or less farmers. At the same time, higher premiums and reduced farming subsidies are the main reasons that restrict the willingness of farmers to participate in insurance. Accordingly, this article puts forward policy proposals such as promoting different differentiated insurance products for different groups of farmers, improving local financial subsidies to reduce premiums of farmers, and promoting the development of large-scale aquaculture so as to increase the farmers’ insurance coverage rate and give play to the risks of poultry farming insurance and Guarantee function.