CAJ | 학술논문

本文研究农户选择信贷与保险互联的影响因素，采用江苏、湖北两省的农户调研数据，基于有序Probit模型进行实证检验，结果表明：一是影响因素中，风险偏好、财务自由度、地区变量呈正向作用，农户信息变量、教育程度、社会资本变量起负向作用，激励农户主动参与信贷与保险互联的关键在于培养其“企业家精神”，提高其风险识别能力；二是信贷与保险互联存在着自我稳定机制，即农户财务自由度与获取信息能力达到一定程度，农户会自动脱离互联机制，从而有效降低了逆向选择风险。以上结论可为深化农业信贷与保险互联提供理论依据与政策建议。
본문연구농호선택신대여보험호련적영향인소，채용강소、호북량성적농호조연수거，기우유서Probit모형진행실증검험，결과표명：일시영향인소중，풍험편호、재무자유도、지구변량정정향작용，농호신식변량、교육정도、사회자본변량기부향작용，격려농호주동삼여신대여보험호련적관건재우배양기“기업가정신”，제고기풍험식별능력；이시신대여보험호련존재착자아은정궤제，즉농호재무자유도여획취신식능력체도일정정도，농호회자동탈리호련궤제，종이유효강저료역향선택풍험。이상결론가위심화농업신대여보험호련제공이론의거여정책건의。
This article studied factors impacting insurance program, employing empirical test of farmers＇ choice of the inter-linked credit and the ordered Probit model. The results showed that：（1）Firstly, risk attitudes, financial freedom and the region variables play positive roles, while information acquire ability , education level and social capital variables of rural households play negative roles. Thus, to encourage the farmers to take the initiative to participate the government-led inter-linked credit and insurance program, the key element is to improve the risk identifying ability of farmers; （2）Secondly, there＇s build-in self-stabilizing mechanism in inter- linked credit and insurance program, which means, when farmers financial freedom and information acquire ability reaches to a certain level, they would automatically depart from the program, thus reducing the risk of adverse selection. These conclusions would help to provide recommendations for the deepening of inter-linked credit and insurance program.