华中农业大学学报（社会科学版）Issue(3)：11-23,13.DOI:10.13300/j.cnki.hnwkxb.2025.03.002
收入保险对粮食类家庭农场韧性的影响研究
The Study of the Impact of Income Insurance on the Resilience of Grain Family Farms
摘要
Abstract
As China's agricultural insurance enters a stage of high-quality development,income in-surance has gradually become an important risk management tool for grain production,playing a critical role in improving the ability of family farms to cope with risks.Based on the tracking survey data of fam-ily farms in Jiangsu Province in 2021 and 2023,this paper constructs a family farm resilience index sys-tem using entropy value method,and empirically tests the impact of income insurance on the resilience of grain family farms across different dimensions,and explores the underlying influencing mechanism.The findings are as follows.First,income insurance significantly increases the resilience of grain family farms and contributes to ensuring food security.In particular,it plays a major role in improving the transforma-tional power of family farms,while also having a positive impact on improving the resilience of family farms.Second,income insurance can significantly narrow the gap between expected income and actual income of grain family farms,ensure the stability and growth of operating income of grain family farms,and ultimately strengthens resilience through both risk mitigation and income support mechanisms.Addi-tionally,income insurance can further enhance resilience by improving family farms'access to credit.Third,the impact of income insurance on farm resilience varies by farm size,with small-scale family farms experiencing the greatest resilience enhancement.Fourth,grain family farms with income insur-ance do not exhibit significant moral hazard after obtaining income insurance,as full-time engagement in agricultural production under sound operational conditions reduces such risks.Based on these findings,it is recommended to enhance the coverage level of income insurance,strengthen its role in enhancing resil-ience,design differentiated income insurance products,and support the development of family farms of varying scales.关键词
收入保险/家庭农场/韧性/粮食安全Key words
income insurance/family farm/resilience/food security分类
管理科学引用本文复制引用
彭澎,董文槟,王浩晨..收入保险对粮食类家庭农场韧性的影响研究[J].华中农业大学学报（社会科学版）,2025,(3):11-23,13.基金项目
中央高校基本科研业务费人文社科基金创新项目"加快建设农业强国背景下健全农村金融服务体系政策研究"(SKCX2023006) （SKCX2023006）
南京农业大学金融学院研究阐释党的二十大精神项目"数字化赋能农业产业链供应链韧性研究"(ZDXM202203). （ZDXM202203）
