金融学院知识库

  2019年政府发布《数字农业农村发展规划（2019—2025年）》推动数字技术与农业产业体系融合，促进数字农业迅速发展。2023年政府发布了《2023年数字乡村发展工作要点》，强调利用数字化手段赋能乡村产业、乡村建设和乡村治理，整体推动农业农村现代化进程，促进农村农民共同富裕，推动数字中国建设迈向新的高度。乡村数字化能有效促进农户知识水平及收入水平，拉动农户对农业保险的有效需求，促进农业保险发展，振兴乡村建设。

  研究基于信息不对称理论、交易成本理论、创新扩散理论、技术创新理论、保险需求理论及相关文献，分析乡村数字化对农业保险发展的作用机制，提出假设，①乡村数字化能够促进农业保险的发展，②乡村数字化通过提高农户知识水平促进农业保险的发展，③乡村数字化通过提高农户收入水平促进农业保险的发展。选取30个省（市）2011年至2021年共十一年间数据长度，借鉴相关学者的思路构建乡村数字化指标构建，采用熵值法构建乡村数字化水平指标体系，选用固定效应模型分析乡村数字化对农业保险发展的直接影响，选用中介效应模型验证中介变量（农户知识水平及农户收入水平）对农业保险发展的间接影响，并进行稳健性检验、内生性检验及区域异质性分析，得出乡村数字化能够促进农业保险的发展，并且是通过提高农户知识水平和收入水平来促进农业保险的发展。

   依此结论，本文提出加强乡村数字基础建设，提升农户风险认知水平、打造农业保险数字化平台，优化保险投保理赔流程、鼓励多方参与合作，创新农业保险产品的对策建议。

     In 2019, the government released the Digital Agriculture and Rural Development Plan (2019-2025) to promote the integration of digital technology and agricultural industry system, and to promote the rapid development of digital agriculture. In 2023, the government released the "Key Points for Digital Rural Development in 2023", emphasizing the use of digital means to empower rural industries, rural construction, and rural governance, comprehensively promoting the modernization of agriculture and rural areas, promoting common prosperity among rural farmers, and advancing the construction of Digital China to a new height. Rural digitization can effectively promote the knowledge and income levels of farmers, stimulate their effective demand for agricultural insurance, promote the development of agricultural insurance, and revitalize rural construction.

      Based on information asymmetry theory, transaction cost theory, innovation diffusion theory, technological innovation theory, insurance demand theory, and related literature, this study analyzes the impact mechanism of rural digitization on the development of agricultural insurance and proposes hypotheses: ①Rural digitization can promote the development of agricultural insurance; ②Rural digitization promotes the development of agricultural insurance by improving the knowledge level of farmers; ③Rural digitization promotes the development of agricultural insurance by increasing the income level of farmers. Selecting a total of eleven years of data length from 2011 to 2021 from 30 provinces (cities), drawing on the ideas of relevant scholars to construct rural digitization indicators, using the entropy method to construct a rural digitization level indicator system, using a fixed effects model to analyze the direct impact of rural digitization on the development of agricultural insurance, using an intermediary effects model to verify the indirect impact of intermediary variables (farmer knowledge level and farmer income level) on the development of agricultural insurance, and conducting robustness tests, endogeneity tests, and regional heterogeneity analysis, it is concluded that rural digitization can promote the development of agricultural insurance, and it is through improving the knowledge and income level of farmers to promote the development of agricultural insurance.

     Based on this conclusion, this article proposes countermeasures and suggestions to strengthen the digital infrastructure construction in rural areas, enhance the risk awareness level of farmers, create a digital platform for agricultural insurance, optimize the insurance insurance insurance claim process, encourage multi-party participation and cooperation, and innovate agricultural insurance products.