中文摘要：

我国农业保险存在明显的区域差异，弱化了农业保险的普惠性本质，其根源是我国农险市场存在高寡占的市场结构。解决农业保险发展的区域差异问题是农业保险升级的聚焦点。本文基于中国31个省（市）2007—2014年面板数据，测量了农业保险市场竞争度HHI，并以空间计量方法研究农业保险市场结构对农业保险区域收敛发展的影响。研究表明：（1）我国农业保险市场结构及农业保险密度均存在显著的空间依赖性；（2）在控制变量后，区域农业保险发展遵循收敛性理论，条件收敛速度为24．37％，其中17．725％的条件收敛速度由农业保险自身市场结构决定，6．645％的条件收敛速度由“空间溢出效应”决定；（3）财政支农的“挤出效应”，导致依赖财政补贴支持的农业保险发展速度降低；高效的农业保险赔付产生的“示范效应”，是提升投保积极性的重要举措。

英文摘要：

The tremendous diverse regional characteristic has weakened the universality of agricultural insurance. The root cause is that the agriculture insurance market has a highly oligopolistic market structure. So the essential point of agricultural insurance upgrading is to solve the problem of regional differences of agricultural insurance. In this paper provinces＂ （ cities＇） panel data and vector data from 2007 to 2014 of China are utilized. First,HHI index HHI =i=0∑（xi）^2 is considered to measure agricultural insurance market competition. The second step is to confirm the necessity of adopting spatial dimension by computing the mergence Moran＇s I index, and Local Moran＇s I index. Finally effects of agricultural insurance market structure to regional agricultural insurance growth convergence are analyzed by Spatial Econometric Model gyi,t=ai,t＋βLnyt-1＋ρWgyi,t＋γLnHHIi,t＋τLnXi,t＋μi,t,μi,t-N（0,σi,t^2）. The following conclusions are drawn： （1） There exists significant spatial dependence on China＇s agricultural insurance market structure and the density of agricultural insurance; （2） Through the controlling of certain variables, regional agricultural insurance growth follows the convergence theory. The conditional convergence rate is 24.37%, among which 17. 725% of the rate of convergence is determined by the agricultural insurance market structure itself, 6. 645% of the rate of convergence is determined by the ＂Spatial Spillover Effect＂; （3） In addition, ＂Crowding Out＂ concerning finance support agriculture, results in the decrease of development speed of agricultural insurance. The efficient agricultural insurance claims will produce ＂Demonstration Effect＂, leading to the enthusiasm of the agricultural insurance improvement. This research has improved itself with the important theoretical significance and practical value to enrich and develop the theory and method of regional agricultural insurance and to improve the policy of agricultural insurance co