金融经济学研究

基于2023年“千村调查”数据，研究数字化背景下村干部治理能力能否提升村庄农业保险参保率。研究结果发现，村干部治理能力可以显著推动农户农业保险参保行为，这一效应在稳健性检验和内生性处理后依然存在；随着村干部治理能力逐渐加强，村庄内农户不参保和低参保率的概率逐渐下降，高参保率的概率上升。机制分析表明，村干部积极宣传培训与强化互联网农业保险平台配置是主要作用路径，其中宣传培训的间接效应更强。异质性分析显示，村干部治理能力对农业保险参保率的显著提升作用主要体现在粮食主产省和中西部地区。因此，建议强化数字技术赋能，增强村干部的治理能力，积极推广互联网农险平台的配置，以提高农业保险参保率。

Drawing on data from the 2023 Thousand-Village Survey, this study examined whether village cadres' governance capacity could improve agricultural insurance participation rates in the digital context.The results showed that the governance capacity of village cadres significantly promoted rural households' participation in agricultural insurance.This effect persisted after a series of robustness checks and endogeneity tests.As village cadres' governance capacity gradually strengthened, the probability of rural households not participating in agricultural insurance and having low participation rates decreased, while the probability of high participation rates increased.An analysis of the mechanism identified proactive publicity and training by village cadres and enhanced deployment of online agricultural insurance platforms as primary channels, with publicity and training exhibiting a stronger indirect effect.Heterogeneity analysis revealed that the significant positive impact of village cadres' governance capacity on agricultural insurance participation rates was primarily evident in China's major grain-producing provinces as well as in its central and western regions.Therefore, it is recommended to strengthen the empowerment through digital technology, enhance the governance capacity of village cadres, and actively promote the deployment of online agricultural insurance platforms to increase agricultural insurance participation rates.