乡村振兴战略背景下农业保险与农业信贷协同效率研究

通过有调节的中介模型分析农业保险与农业信贷发展协同效果,并运用三阶段DEA-Malmquist模型测算乡村振兴战略背景下农业保险与农业信贷协同效率。研究发现农业保险通过农业信贷的中介效应对农业发展影响显著,财政支出在农业信贷与农业发展中有调节效应,农业保险与农业信贷发展协同效果良好,而环境因素对农业保险与农业信贷协同效率测算有显著影响,剔除外部环境因素后,技术进步和全要素生产率均有上升。在环境因素中,成灾面积、灌溉面积对农业保险与农业信贷协同运行效率提高具有显著的负向影响,农业机械化水平有正向影响,而财政投入对于不同投入指标影响方向不同。根据以上结论,我国应因地制宜建立农业保险与农业信贷协同机制,合理配置财政投入,建立自然灾害风险防范机制,提高机械化水平和合理进行农田水利建设,促进乡村振兴。

Study on the Cooperative Efficiency of Agricultural Insurance and Agricultural Credit under the Rural Revitalization Strategy

This paper firstly analyzes the synergistic effect of agricultural insurance and agricultural credit development through a regulated intermediary model,and then uses the three-stage DEA-Malmquist model to measure the synergistic efficiency of agricultural insurance and agricultural credit under the background of the rural revitalization strategy. The study found that agricultural insurance has a significant effect on agricultural development through the intermediary effect of agricultural credit,fiscal expenditure has a moderating effect on agricultural credit and agricultural development,the synergy between agricultural insurance and agricultural credit development is good,and environmental factors have a synergistic effect on agricultural insurance and agricultural credit The calculation has a significant impact.After excluding external environmental factors,both technological progress and total factor productivity have increased. Among the environmental factors,the disaster area and the irrigated area have a significant negative impact on the improvement of the cooperative operation efficiency of agricultural insurance and agricultural credit,the level of agricultural mechanization has a positive relationship,and the impact of fiscal investment on different input indicators varies. Based on the above conclusions,China should establish a coordinated mechanism for agricultural insurance and agricultural credit according to local conditions,rationally allocate financial inputs,establish a natural disaster risk prevention mechanism,improve the level of mechanization and rationalize farmland water conservancy construction,and promote rural revitalization.