A Study On Farmer's Desire Of Payment For Agricultural Insurance In Huaian

Agriculture is a basic industry of national economy, and its development affects directly that of national economy. In addition, agriculture is a feeble industry, and the agricultural production is facing many natural disasters and other risks. Huai'an is a major city of agricultural economy in Jiangsu Province and meanwhile is one of the severely afflicted areas by natural disasters. The agriculture and the development of the village and the farmers all need the support and the protection of the agricultural insurance urgently. Agricultural insurance is a kind of arrangement system addressing agricultural production risks, ensuring farmers' income and promoting the development of rural economy. Therefore it is very necessary to research on which factors are affecting the farmers' demand of agricultural insurance. This article studies on the factors, which influence farmers' demand of agricultural insurance. The article includes six parts.The first part introduces the topic of this thesis and gives an outline of the whole paper.The second part generalizes the research progress up to date home and abroad in this field.The third part discusses the relative theories, including the quasi-public goods character of agricultural insurance, the demand of AI, consumer behavior theory and expectation utility theory and so on. Besides, this part also analyzes the farmers' behavior. It explains the character and the influencing factor of the farmers' behavior. It could be concluded that the farmers' behavior are influenced by many factors. Under the circumstance of no subsidy, the farmer will not choose AI.The forth paper expounds the sources of all the data and the compositions of the samples, e.g. how the data have been collected and how the samples have been selected.The fifth part gives a descriptive analysis of the factors that influence farmers'purchase wish of agricultural insurance.The sixth part presents an explanative and empirical analysis, using logit model, of the factors that influence farmers' purchase wish of agricultural insurance.Based on the above analysis on the influencing factors and existing problems, the seventh chapter puts forward pertinent advices and constructive solutions.