Research On The Influence Of Agricultural Insurance On The Scale Operation Level Of Farmers Of Henan,Hubei And Hunan

Agricultural scale management is the core problem in the development of agricultural modernization.Agricultural insurance,as a widely used risk resolution tool,can effectively transfer the natural and market risks faced by large-scale operations,which cannot be separable from the strong support of agricultural insurance.At present,China has entered a new era of building a strong country of socialist modernization society.With the development of Chinese agricultural modernization,agricultural insurance plays an increasingly prominent role in promoting large-scale agricultural operation.Therefore,On the basis of collating a large number of data,this paper uses the survey data of Henan,Hubei and Hunan in 2019 to establish an evaluation index system of farmers’ scale management development level,including land scale management level and service scale management level,and uses the entropy method to calculate farmers’ agricultural scale operation development level.Then the propensity score matching(PSM)approach was used to empirically test the influence of policy-based agricultural insurance on the operation development level of farmers’ scales.Our empirical results show that agricultural insurance has the potential to dramatically speed-up the development level of farm-scale management.On the one hand,agricultural insurance can effectively avoid the high risks brought by the scale operation,making it easier to make the decision to expand the scale.On the other hand,with the emergence of new types of insurance such as agricultural loan guarantee insurance,there has been a further expansion of the agricultural insurance function,and the problem that agricultural loans are difficult to obtain has been skillfully solved.This emergence of new types of insurance has also led to a further expansion of the farm insurance business.According to the PSM sub-effect,agricultural insurance can also improve farmers’ land scale management level and service scale management level.Among them,agricultural insurance has a more obvious effect on raising the level of land scale management.First of all,farmers can obtain agricultural insurance compensation to stabilize their income when suffering from natural disasters or facing huge market price fluctuations.Therefore,when farmers make decisions on land circulation,agricultural insurance can reduce their worries about business risks and increase the probability of making decisions on land transfer.Secondly,agricultural insurance can drive the development of farmers’ service scale management.Because agricultural insurance can help farmers obtain agricultural loans.When farmers have sufficient operating funds and agricultural insurance is available to cover the risks,they are naturally willing to increase investment and purchase machinery and labor services to improve agricultural production efficiency.This paper makes several countermeasures from the perspective of how Chinese agricultural insurance can promote operation development at the farm scale.(1)Agricultural insurance should develop corresponding new products according to the new needs of agricultural scale operation;(2)Increasing the number of grassroots agricultural insurance service points,improving the level of services,increasing the rate of participation in agricultural insurance and farmers’ sense of access;(3)We should expand the protection of agricultural insurance,make policy and financial preferences for the types with high scale of operation,and increase the efficiency of the compensation.