目录
摘 要 4
关键词 4
ABSTRACT 5
KEY WORDS 5
引言
二、文献综述 7
（一）农业保险面临的市场失灵风险 7
（二）农业保险对农民收入的影响研究 7
（三）非农收入定义 8
（四）关于非农收入发展状况及其影响因素的研究 8
（五）总结 8
三、分析框架与数据来源 9
（一）分析框架 9
(二)数据来源及其说明 9
1. 非农收入（Y1） 9
2. 非农收入增长指标(Y2) 9
3.农业保险保费收入（insure） 10
4.农村第一产业就业人数（emp） 10
（三）描述性分析 10
1.非农收入（Y1） 10
2.非农收入增长指标（Y2） 12
3.农业保险保费收入（insure） 13
4.农村第一产业就业人数（emp） 14
四、实证结果与分析 15
（一）指标相关性分析 15
(二) 平稳性检验（ADF单位根检验） 16
（三）Johensen协整 16
(四)稳定性判断 18
（五）格兰杰因果检验 19
（六）模型结果分析与结论 20
1.模型结果 20
2.模型分析 20
五、研究结论与政策建议 21
（一）研究结论 21
（二）政策建议 21
参考文献..22
致谢 23
浅谈农业保险对我国农户非农收入的影响
摘 要
农业是关乎国计民生的首要问题。到了今天，农业依旧是改革开放和建设中国特色社会主义的关节一环。但农业生产天生便具备弱质性等特点，面临着市场失灵风险。为了分散风险，促进农业发展，切实保障农民生产经营和收入，农业保险体系由此建立。
但同时，农民在农业保险之外，便具备着另一种天然的风险分散机制，即农业生产之外的非农生产经营，包括被雇 *51今日免费论文网|www.jxszl.com +Q: ^351916072^ 
佣得到的工资性收入、农业之外的家庭生产经营收入、政府的转移性收入以及财产性收入等。他们作为农业生产的补充，起到了分散农业收入不确定带来的风险的作用，同时也是对你农民收入的一种补充。那么针对近几十年来非农收入的快速发展这一趋势，本文根据统计数据，对作为农业风险分散机制的农业保险对于非农收入的变化起到了怎样的影响以及这两者之间具体的关系展开研究，得出了以下结论：（1）农业保险作为农业生产的风险分散机制，与作为农业收入补充以及农民另一重风险规避机制的非农收入，有一定的竞争关系，其发展一定程度上抑制了非农收入的增长。该影响具有滞后性。（2）非农收入的增长以及其在农民收入中的占比增长，对农业保险的发展状况并无显著影响。
On the Influence of Agricultural Insurance on Nonagricultural Income of Farmers in China
ABSTRACT
Agriculture is the primary issue concerning national economy and peoples livelihood. Today, agriculture is still a key link in reform and opening up and the building of socialism with Chinese characteristics. However, agricultural production is inherently weak, and it faces the risk of market failure. In order to diversify risks, promote agricultural development, and effectively protect farmers production and income, an agricultural insurance system was established.
But at the same time, farmers have another natural risk diversification mechanism outside of agricultural insurance, that is, nonagricultural production and management outside agricultural production, including wage income from employment and household production and operation income outside of agriculture. , Government transfer income and property income, etc. As a supplement to agricultural production, they play a role in dispersing the risks caused by uncertain agricultural income, and at the same time they are a supplement to your farmers income. In response to the trend of rapid development of nonagricultural income in recent decades, this article based on statistical data, how does agricultural insurance as a mechanism of agricultural risk diversification affect the change of nonagricultural income, and the specific relationship between the two After conducting research, the following conclusions were drawn: (1) Agricultural insurance, as a risk diversification mechanism for agricultural production, has a certain competitive relationship with nonagricultural income as an agricultural income supplement and another risk avoidance mechanism for farmers, and its development is to a certain extent Suppressed the growth of nonagricultural income. This effect is lagging. (2) The growth of nonagricultural income and its share of farmers income have no significant impact on the development of agricultural insurance.

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