Papers
Conference Papers
Sort by Posting date
Sort by Authors
Sort by Organizations
Sort by Language
Post a paper
  Home    Papers    Conference Paper
Emal Address:  Password:  
Can Animal Husbandry Insurance Relieve Credit Inhibition for Farmers: An Empirical Analysis Based on the Weather Index Insurance of Meat Sheep in Inner Mongolia Autonomous Region
Title:  Can Animal Husbandry Insurance Relieve Credit Inhibition for Farmers: An Empirical Analysis Based on the Weather Index Insurance of Meat Sheep in Inner Mongolia Autonomous Region
Author: 赵  元凤
co-Authors: 
Organization: 
Personal profile:  Login required for author information!
Conference presentation:  2024 CES China Annual Conference, July 5-7, 2024, Hangzhou, Zhejiang University
Abstract:  牧区信贷资金的有效满足对于提高牧户收入水平、促进牧区经济增长以及畜牧业现代化发展等方面具有着重要的推动作用。但是，囿于正规金融机构的信贷配给与牧户自身抵押品不足等因素，牧户信贷资金需求长久未能得到有效满足。畜牧业保险政策的实施可以提高金融机构对牧户偿还能力的预期，增加了金融机构的放贷意愿，从而缓解牧户所面临的信贷抑制。本文以内蒙古自治区肉羊天气指数保险政策实施的有利契机，基于锡林郭勒盟600多户牧户的一手调研数据，从多重模型识别策略角度出发，将Heckman两阶段模型与工具变量法相结合，实证检验了肉羊天气指数保险对牧户信贷抑制的缓解效应。结果表明，肉羊天气指数保险可以显著缓解牧户信贷抑制，且对牧户信贷抑制的缓解效应作用十分突出。基于理论与实证结果，本文提出完善“农业保险+信贷”的产品体系、增强牧户金融素养、提升农业保险参保率及推动农业保险与信贷相结合的产品落地实施的政策建议。本研究的学术贡献在于：一方面对农业保险的农户信贷抑制缓解效应进行了完善与深化；另一方面首次基于草原畜牧业天气指数保险产品，实证检验畜牧业保险的牧户信贷抑制缓解效应，为构建“保险+信贷”机制，有效解决草原畜牧业现代化发展的资金约束提供了决策支持。
Full-text paper link: 
@copyright by Chinese Economist Society.