Theoretical And Empirical Analysis On The Demand Of Crop Insurance

China is vulnerable to natural disaster, and there is still no many better ways to relieve the situation. Chinese farmers are encompassed by the high risk and weakness of agriculture. The natural risk has caused so much loss that it brings down their incomes, and also influences the development of agriculture. Agricultural insurance, as an effective way to deal with natural risk, has become an important choice for dispersing the natural risk. And it is an aid-agricultural subsidy policy from government, which allowed by WTO's Green Box Policies. Recently, academic field and decision-making departments pay more and more attention on the research of agricultural insurance. The scientific cognition on factors and degree of influence is of great practical significance for efficiently protecting interests of farmers through the implementation of powerful policies, stabilizing and improving their income level and prompting agricultural development.This thesis thematically elaborates on the basic theories of agricultural insurance demand including demand hierarchy, consumer demand and insurance demand, etc... It also defines the concept and classification of agricultural insurance, agricultural risk and agricultural risk management. On the premise of clearly understanding relevant concepts and theories, the agricultural insurance demand is further analyzed from the perspective of microeconomics and information economics. This analysis involves the derivation of curve initial position, the realization of market supply and demand balance and information asymmetry of agricultural insurance demand. What's more, the influence factors of agricultural insurance have been summed up, which has provided theoretical support for following positive analysis. On the basis of field research and materials on the farms in counties and banners of Erdos in Inner Mongolia, this thesis screens and analyzes the main influence factors to agricultural insurance demand of the samples of local farmers. By adopting the manner of combining descriptive statistical analysis and econometrics positive analysis, the thesis constructs an influence matrix of sample farmer's actual agricultural insurance demand level,and analyze the actual relationship between influence factors and actual crop insurance demand level.In terms of sample farmers, the thesis comes to following conclusions:1. The influence of the age on agricultural insurance demand is small.2. Agricultural income ratio, calamity-stricken degree and educational level keep close relationship with agricultural insurance effective demand level.3. The factors of gender and have ever buy insurance or not exert great influence on agricultural insurance demand.