The objective of this study is to explore the effect of policy-based insurance for tropical crops on farmers'income,which is condu-cive to promoting the stable increase of farmers'income in hot areas,and providing empirical enlightenment for the development of policy-based agricultural insurance in China.Based on the survey data of farmers in tropical crop industry in Guangzhou from 2022 to 2023,we em-ploy the linear regression and propensity score matching model to explore the impact of policy-based agricultural insurance on farmers'in-comes.The results show that policy-based agricultural insurance can increase the household income of rural households.Based on the propensi-ty matching score model,the household income of farmers who purchased policy-based agricultural insurance increased by approximately 3 800-3 900 yuan compared with those without such insurance experience.Heterogeneity analysis showed that policy-based agricultural insur-ance mainly increased the agricultural income of rural households,but had a significant negative effect on their non-agricultural income.Addi-tionally,compared with large-scale farmers,policy-oriented agricultural insurance is more effective in improving household income of small-scale households.Furthermore,the study finds that policy-based agricultural insurance predominantly boosts household income for farmers in the middle to older age groups.Policy-based insurance,as a strategic initiative,contributes overall to the enhancement of farmer incomes in the tropical crop industry.However,its impact exhibits heterogeneity across different income types and diverse farmer groups.This study rec-ommends a continuous advancement and refinement of policy agricultural insurance-related systems.Simultaneously,tailored management and incentive measures should be developed to address the unique characteristics and requirements of various farmer segments.
关键词
政策性保险/农户收入/热带作物/PSM模型
Key words
Policy-based insurance/Farmer income/Tropical crops/PSM model
维普
万方数据