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农业保险与信贷联动更好促进农业产出了吗?

Can Agricultural Insurance and Credit Linkage Improve Agricultural Output Better?

  • 摘要: 基于修正的Solow模型,通过构建农业保险与农业信贷联动促进农业产出的理论框架,实证检验了农业保险与农业信贷联动对农业产出的影响,以及资本投入的中介效应。研究发现:农业信贷能够促进农业产出,农业保险对农业产出的影响作用并不显著,而农业保险与信贷联动能够更好促进农业产出。农业保险与信贷联动,促进了农户对农业生产的资本投入,进而提高了农业产出,即资本投入为促进农业产出的中介效应。基于此,要大力完善农村金融制度供给,促进银保融合,加大财政支农与金融支农的力度。

     

    Abstract: Based on the modified Solow model, the impact of agricultural insurance and agricultural credit linkage on agricultural output and the mediating effect of capital input are tested empirically by constructing a theoretical framework of agricultural insurance and agricultural credit linkage to promote agricultural output. It is found that agricultural credit can promote agricultural output, the effect of agricultural insurance on agricultural output is not significant, and the linkage of agricultural insurance and credit can better promote agricultural output. The linkage between agricultural insurance and credit promotes farmers' capital investment in agricultural production, which in turn increases agricultural output, i.e. capital investment is the mediating effect of promoting agricultural output. Based on this, we should vigorously improve the supply of rural financial system, promote the integration of banking and insurance, and increase the efforts of financial support to agriculture and financial support to agriculture.

     

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