An Empirical Study On The Performance Of Agricultural Insurance And Its Impact Factors In China

Agriculture is a weak industry,affected by natural disasters risk influence,China is one of the countries with high natural disasters,Therefore,to take a series of measures to reduce the risk of disaster is an important part of the sustainable agricultural production.Agricultural insurance can effectively reduce agricultural risks,At the micro level,agricultural insurance helps to stabilize the income of farmers,thereby stimulating the consumption of farmers;At the macro level,agricultural insurance helps to avoid agricultural risks and ensure food supply.However,with China's government to support the development of agricultural insurance is extremely disproportionate,the performance level of agricultural insurance has been sluggish.Therefore,through the analysis of the current situation and mechanism of agricultural insurance,Based on the micro and macro perspective,this paper studies the performance of agricultural insurance,and puts forward some pertinent and valuable suggestions on how to optimize the performance of agricultural insurance,It has theoretical and practical significance to the research on the performance of agricultural insurance and the sustainable development of rural economy in China.The performance of agricultural insurance is one of the hot topics in academic circles at home and abroad.Most of the existing researches on the performance of agricultural insurance have certain economic performance,Some scholars think that the agricultural insurance has a strong social welfare significance,However,there are still some deficiencies in the research on the performance of agricultural insurance,which is important reflected in the following three aspects: First of all,the research on the performance of agricultural insurance in our country is mainly based on theory and discourse analysis,The empirical study on the performance of agricultural insurance from the perspective of farmers or the state,It does not combine theoretical research with empirical analysis effectively;Secondly,the performance of existing agricultural insurance is mainly focused on the impact of agricultural insurance on the growth of rural economy,The paper studies the effect of agricultural insurance on the income of farmers and the security performance of national food supply,Ignoring the macro and micro performance of agricultural insurance;Finally,in the existing research,the theoretical model of agricultural insurance performance which is suitable for China's nationalconditions and the system performance evaluation index system,The research on the efficiency and mechanism of agricultural insurance is lack of reasonable explanation and coordination.Based on the previous research,this paper makes up for the lack of research,Fusion of insurance,development economics,public goods theory,welfare economics,agricultural protection theory and other related theories,Based on the micro and macro perspective,this paper makes theoretical research and empirical research on the performance of agricultural insurance which is suitable for China's national conditions,The factors influencing the performance of agricultural insurance and its mechanism,The paper gives some suggestions on the optimization of agricultural insurance system and the policy measures,This has certain theoretical value and practical value to improve the performance of China's agricultural insurance.This paper consists of5 parts:The first part is to put forward the problem and determine the research angle of view,including the first chapter and the second chapter of the introduction of agricultural insurance performance analysis.First of all,it introduces the research background of the thesis,puts forward the research questions;Secondly,this paper describes the research methods,data sources,research content,technical route,possible innovations and deficiencies;Finally,on the basis of literature research,this paper analyzes and summarizes the present situation of agricultural insurance at present stage.The second part is the analysis of the characteristics of agricultural insurance and the performance of China's agricultural insurance,that is,the characteristics and performance analysis of the third chapter.Through this part of the agricultural insurance is quasi public goods properties,wide spillover and adverse selection and moral risk characteristics of the theoretical analysis,and analysis of the performance of agricultural insurance,agricultural insurance analysis of main problems in the process of development,and the use of Hackman two part conducts an empirical study on agricultural insurance demand at this stage.The third part is an analysis of the performance of agricultural insurance from the micro perspective,that is,the fourth chapter of this paper,based on the micro perspective of the performance of agricultural insurance.At the micro level,the agricultural insurance to help farmers maximize their own utility,agricultural insurance to avoid the risk of agricultural production,farmers income level,and improve the farmers' consumption,plays an important role in promoting the development of rural economy.This part mainly from the following two aspects:First,from the microscopic point of view,the use of2 SLS and other methods of household survey data in Liaoning province empirical analysis,The influence of China's agricultural insurance policy on the income and consumption of rural residents,The purpose of this study is to study the influence of farmers' participation in agricultural insurance on reducing agricultural risk,reducing the uncertainty of farmers' future,and determining the influencing factors;Second,according to the empirical analysis of the influencing factors,the paper constructs the performance index system of agricultural insurance from the perspective of farmers' consumption,To evaluate the performance of agricultural insurance policy to stabilize the income of farmers and increase their consumption,To provide the basis for the sustainable development of rural economy and the improvement of agricultural insurance system in China.The fourth part is the research on the performance of agricultural insurance from the macro perspective,that is,the fifth chapter of this paper,based on the macro perspective of the performance of agricultural insurance.At the macro level,agricultural insurance helps to improve the national food supply and the performance of agricultural insurance from the perspective of food supply,This chapter deals with two aspects:First,to construct the performance theory model of agricultural insurance to national food security,Through the implementation of agricultural insurance in 31 provinces and autonomous regions of China's grain production,agricultural insurance premiums,grain crop acreage and other data structure panel data model analysis of the impact factors,To do the empirical research on the basis of the next performance evaluation;Second,according to the influencing factors,the evaluation index system is established,and the DEA model is used to study the performance of China's agricultural insurance to promote grain supply.The fifth part is the conclusions and policy recommendations,which is the content of the sixth chapter.In view of the main conclusions of this study,the paper puts forward useful policy suggestions on the development of agricultural insurance.