Analysis On Farmers' Demand Of Forest Insurance In Zhejiang

As an effective risk protection mechanism, forest insurance is an important content of deepen the supporting reform of collective forest right system. However, because of its quasi-public properties, the development of both supply and demand of forest insurance products is a shortage. In several consecutive years, Central Document No. 1 points out clearly that we must speeding up the establishment of forest policy-oriented insurance system and improving farmers'ability to withstand natural disasters. But there is a huge gap between the policy objective and actual demand. Recently, the majority of research on forest insurance focuses on qualitative aspect, while empirical study on farmers? forest insurance demand is less. Considering regional differences, it is very important to chose Zhejiang Province as the study object and analyze farmers'forest insurance demand from the normative and empirical perspective.Based on the relevant theory of forest insurance and two hypotheses:"Rational Behavior People"and"The farmers are risk adverse",this paper analyses the factors which affect their forest insurance demand and deals date with descriptive statistical analysis. At last using Logistic econometric models analyses the factors which affect their forest insurance demand and using McNemar test analyses the influence of the state premium subsidies on demand. Studies have shown that the significant fators affecting farmers? forest insurance demand include the number of family labor, annual per capita income, whether there are outstanding loans, forest species as well as knowledge of forest insurance and government premium subsidies will be a significant positive incentives to farmers demand. On this basis, the proposals of this research are given as follow: increasing premium subsidies, increasing the income of farmer, raising farmer's knowledge of forest insurance, taking different policies to different forest species, selecting disaster-hit areas as the pilot, promoting large-scale operation, improving forest insurance products.