集体林区异质性农户森林保险需求及差异研究——基于湖南省500户农户面板数据

森林保险具有抗自然风险功能和抗金融风险功能,对保障林业可持续生产和发展林业金融体系有重要作用。本文以集体林区公益林农户和商品林农户为研究对象,基于湖南省500样本农户2012—2018年持续调查数据,采用Panel Ordered Logistic Regression模型,对各类农户森林保险需求及差异规律进行研究。研究结果表明:两类异质性农户森林保险需求动态发生率(含一般需求和很高需求)较高,但保险需求程度实际都在下降;森林保险抗金融风险功能、森林保险产品特征、森林保险认知特征对异质性农户森林保险需求影响存在差异;森林保险抗自然风险功能和家庭林业资源特征对异质性农户森林保险需求影响无明显差异。

Forest Insurance Demand and Difference of Heterogeneous Farmers in Collective Forest Areas--A Study Based on Panel Data of 500 Farmers in Hunan Province

Forest insurance, which has anti-natural risk function and anti-financial risk function, plays an important role in ensuring sustainable production of forestry and developing forestry financial system. This paper used the Panel Ordered Logistic Regression model to analyze the forest insurance demand characteristic and differences of commercial forest farmers and public welfare forest farmers, based on 500 samples in Hunan Province from 2012 to 2018. The results show that: the dynamic incidence of forest insurance demand(including general demand and high demand) of two types of farmers is higher, but the degree of insurance demand is actually declining. Forest insurance’s anti-financial risk function, forest insurance product characteristics, and forest insurance cognition have a different impact on heterogeneous farmers’ forest insurance demand. Forest insurance’s anti-natural risk function and family forestry resource characteristics are not significant different regarding the impact of heterogeneous farmers’ forest insurance demand.