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黑龙江省是世界上最适于种植大豆的几个地区之一,其播种面积和总产量均占全国的30%～40%,出口高达80%左右,省内最大的一家农业保险公司-阳光相互保险公司的业务主要集中于农垦集团内部,对于垦区之外的广大农村地区,农业保险业务开展得还非常有限。针对这一现状,笔者对黑龙江垦区外大豆主产区农户农业生产风险认知和农业保险支付意愿等情况进行了住户调查和分析。结果表明,作为中国重要的大豆生产基地,建立农业保险体制,不仅可以发挥其转移风险的作用,当灾难发生时,能把造成的损失降到最低限度,也是实现稳定农民收入、保障粮食安全等目标的重要手段。
Heilongjiang Province is one of the most suitable areas for planting soybean in the world. Its sown area and total output account for 30% to 40% of the country’s total. Its exports are as high as 80%. Heilongjiang Province, the largest agricultural insurance company in the province, The insurance company’s business is mainly concentrated within the Nongken Group, for the vast rural areas outside the reclamation area, the agricultural insurance business is still very limited. In response to this situation, the author conducted a household survey and analysis of the farmers’ awareness of agricultural production risk and their willingness to pay for agricultural insurance in major soybean producing areas outside Heilongjiang Reclamation Area. The results show that as an important soybean production base in China, the establishment of agricultural insurance system can not only play its role as a transfer risk, but also minimize the losses caused when a disaster occurs, as well as stabilize farmers’ income and ensure food security Goal of the important means.