农业保险对农户采纳耕地质量保护行为的影响研究

——基于PSM的实证模型

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中图分类号：F842.6；F323.22 文献标识码：A 文章编号：2095-5553（2025）10-0298-09

Abstract：Agricultural insurance is an important means to disperse agricultural production and management risks.How to efectivelystimulate theendogenouspoweroffarmers'cultivatedland protectionhasbecome the focusofatention.Basedon the micro-data from the 2O22 China Land Economy Survey in Jiangsu Province，the paper employed the propensity score matching（PSM）method toempirically assess the impactof agricultural insurance on farm households’arable landquality protection behavior，andfurther investigated themechanismof thisimpactongovernment subsidies，andanalyzed the heterogeneityof theimpactof the numberof yearsoflandcontract，literacylevel，andrisk preferenceonfarm households' arable landquality protection behavior.Theresultsshow thatagricultural insurancecansignificantly enhance farmers' participation inarablelandqualityprotection behavior，governmentsubsidiesandagricultural insurance positivelyaffect farmers'arable landquality protectionbehavior，andboth havesubstitution effects.Theheterogeneityanalysis shows that thelongerthelandcontractperiod，thehighertheeducationlevel，themoreriskaversefarmersaremoreactivelyinvolvedin arablelandqualityprotection.Consequently，itissuggestedtoinnovatetheagriculturalinsuranceproduct modeland strengthen the financial support policy to further guide the behavioroffarm households in farmland quality protection.

Keywords：agricultural insurance；cropland protection；propensity score matching；farmer behavior；government subsi

0 引言

数千年的农耕文明史使中华民族对耕地的多重价值有着深刻的理解[1]。（剩余16462字）