Study Of Small-scale Farmers Agricultural Insurance

To promote modern agriculture construction, improve the ability of farmers lossprevention must be the establishment of risk prevention mechanisms, includingagriculture, modern agriculture and the suitable mechanism for protection ofinvestment, agricultural and risk prevention mechanisms important is to developagricultural insurance, to develop agricultural insurance is the legitimate use of WTOrules, improve the protection of the agricultural system, and increase agriculturalproduction and management standards and international competitiveness of thenecessary measures. In the current agricultural insurance coverage is very low, thefarmers how to improve the agricultural insurance, the participation rate rise to a highdegree of academic attention. Although the process of agricultural modernization,agricultural production is the size of China's agricultural industry, rural economy andfurther adjust the structure of an inevitable trend, however, in China's rural socialsecurity system is not perfect, the rural family as the main contractor The two-tiermanagement system at this stage to adapt to the level of productivity in rural areas,farmers hope for China's farmers to the structure of the vast majority of highlydecentralized, very small-scale agricultural production, small-scale farmers as themain body in the future will be a considerable length of time an irrevocable. If youcan not raise the vast majority of small-scale farmers of the agricultural insuranceinsurance rates, means that China's agricultural insurance has not really take to protectthe role of agriculture, the most to lose if the majority of small-scale farmers involvedin agriculture insurance, agricultural insurance unable to meet its insurance operationthe necessary requirements of the law of large numbers of agricultural insurance cannot be sustainable development. As a result, the papers are aimed at small-scalefarmers to improve China's agricultural insurance participation rate of research with alarger value of the theoretical study and practical guidance.The main thesis of this study will include a literature review, empirical analysisof foreign policy experience and learn from the practice recommended in four phases.In the literature review stage, the purpose of the research paper combined with asystematic summary of the domestic and agricultural insurance research results andpractical mode of thinking that this study was undertaken to lay the theoretical basisto gain experience and learn from. In the empirical analysis of the stage, the thesis ofZhejiang province as an example of our country to carry out policy-orientedagricultural insurance on the basis of the conditions of China's small-scale farmers to increase the need for insurance as well as small-scale farmers of the riskcharacteristics of the insurance and consumer behavior analysis; on this basis, theadoption of experts and scholars, entrepreneurs and small samples of the interview inadvance of the survey questionnaire design and sound through large-scale survey inZhejiang province access to 613 small-scale farmers on agricultural insurance needs ofeffective research data, use Logist model regression analysis to explore the impact ofsmall-scale farmers to participate in the main agricultural insurance constraints. Drawon foreign experience in the practice stage, the papers targeted to select Japan and Indiato learn from objects to explore the two countries in enhancing the small-scale farmersto participate in the agricultural insurance, combined with the reality of China's nationalconditions of China could be used to the experience sum. In the stage of policyrecommendations, the paper combined with the above analysis and discussion, asmall-scale farmers to enhance agricultural insurance organizations to participate in thedegree of agricultural co-operated with the commonwealth model and small-scalefarmers to enhance the purchasing power of agricultural insurance in kind instead ofcash to pay the insurance premiums of the modern system of barter transactions.In this paper, the theoretical value and innovation in the following three aspects:â‘ most of the foreign countries the concept of farmers mainly refer to the farmers,these farmers generally large-scale production and management, a strong sense of risk,agricultural insurance ability; scholars on the insurance needs of farmers in agriculturemost of the general characteristics of the "face" to describe certain characteristics, andfarmers did not carry out detailed classification, but has not targeted the vast majorityof small-scale agricultural production farmers appropriate policy recommendations.This paper will examine the position in the perspective of China's farmers account forthe vast majority of small-scale farmers who study this new perspective on theproposed study on agricultural insurance has been an effective complement anddeepen;â‘¡agricultural insurance policy with the goal of senate paul area directlydetermines the size of government support policy-oriented agricultural insurance andagricultural insurance for sustainable development. This paper on China's agriculturalinsurance policy objectives and targets of contractors in the design of the system onan objective position in the agricultural breeding species of big contradictions inherentin-depth analysis of China's agricultural insurance system has been further improvedwith a certain amount of reference;â‘¢the China's paper for small-scale farmers of therisk characteristics of the family and economic characteristics of small-scale farmersto enhance the degree of organization of the farmers "commonwealth" model as well as agricultural products in kind instead of cash to pay the agricultural insurancepremium small-scale farmers barter agricultural insurance. The system is theestablishment of small-scale farmers to improve China's agricultural insuranceinsurance rates effective way of innovation.In order to carry out research work on the system, this thesis is divided into sixchapters to start. The first chapter was part of the introduction, this paper puts forwardthe need to study the issue and explain the background research, the purpose ofsignificance, study, study, study methods, technical papers and the path of the frame;chapter for the literature review. The main predecessors of the existing on thetheoretical study of the agricultural insurance and agricultural insurance practice inthis paper for the purpose of the research has focused on the systematic sum; chapterâ…¢of the evidence for the theory analysis, to Zhejiang province as an example ofsmall-scale farmers. The need to participate in agricultural insurance, small-scalefarmers of the risk premium features and analysis of consumer behavior theory,empirical measurement for the fourth chapter, the main use of single-factor analysis ofvariance and regression analysis of statistical methods, such as small-scale farmers onagricultural insurance. The demand for effective measures to carry out analysis;chapter for the practice from abroad, mainly to Japan and India in the development ofsmall-scale farmers to participate in the agricultural insurance practices and analysison the experience and gives inspiration; chapterâ…¥as part of the policy recommendations,mainly small-scale farmers to increase agricultural insurance, the participation rateaccordingly put forward policy proposals and specific program design.