关 键 词 ：政策性农业保险；农村居民消费；面板数据；异质性分析学科分类：经济学--保险学
In the context of consolidating the achievements of poverty alleviation, accelerating rural revitalization, and building Chinese-style modernization, agricultural insurance has played a significant role in enhancing the living standards of rural residents. This article first analyzes the impact mechanism of agricultural insurance on rural resident consumption based on consumer theory. It also explores the heterogeneity of the effects of agricultural insurance among different regions based on the variations in agricultural structures across the country. Using panel data from major agricultural provinces between 2012 and 2021 and employing a fixed-effects model, the study investigates how agricultural insurance influences rural resident consumption. The results indicate that, at the national level, agricultural insurance has a significant impact on promoting rural resident consumption. Regionally, in the Northeast, where the primary sector has a larger share, agricultural insurance demonstrates the most pronounced stimulative effect on consumption.