Analysis On Farmer's Insured Willingness And Its Inlfuencing Factor In New Rural Social Endowment Insurance

With the development of our country's economy and society, the rural endowment patternswhich rely on land and family have changed. The traditional endowment support structure hasbeen impacted tremendously. The birth control policy is carried out, and in recent years, the rurallabor flows to the town in large-scale, which makes rural residents aging pool increase quicklyin the decades of year in the future. However, the traditional social endowment insurance wasceased because of the system design defects, which did not adapt to the economy development andmade low coverage and attendance. Therefore, the social endowment is needed.As a benefit farming policy, New Rural Social Endowment Insurance system's design mustbe based on the reality of the rural economy, on the peasants' economic capacity and willingness.Thus, the policy may become effective and sustainable. Therefore, the paper is based on the studyof the willingness and influence factors in purchasing the New Rural Social Endowment Insuranceand takes the150farmers of Haicang. TongAn and Xiangan district in Xiamen city of Fujianprovince as the research objects. And the paper uses based on Logistic regression model toanalysis the influence factors in purchasing the New Rural Social Endowment Insurance throughthe questionnaire and on the foundation of the statistic of search result. The analysis results showthat the farmer's age, health, and children number, land area, uncertainties and systemic design ofthe New Rural Social Endowment Insurance affect farmers to participate in the New Rural SocialEndowment Insurance. Finally, the paper bases on the results of the survey analysis, and combineswith the implementation of the New Rural Social Endowment Insurance in Xiamen and putsforward with the solution to the problems about the New Rural Social Endowment Insurance.This paper mainly from the following seven parts to research Farmer's insured willingnessand its influencing factor in New Rural Social Endowment InsuranceThe first part is the introduction. This chapter mainly discusses the research background, thedomestic and foreign literatures, and puts forward this paper's research method and the innovationpoints.The second part is the basic concepts and theoretical basis. It is good for reflecting the benefitfarming policy of the New Rural Social Endowment Insurance and presenting the superiority ofthe New Rural Social Endowment Insurance to reference the theory.The third part is the brief introduction of development of the New Rural Social EndowmentInsurance in Xiamen city, and its implementation all over the country and in Fujian, Xiamen. Thechapter uses the comparison to emphasis the specification and innovation of the New Rural SocialEndowment Insurance in Xiamen city.The fourth part is the introduction of research area, this part also puts forward to the design scheme of questionnaire to collect first-hand data on the base of questionnaire survey.The fifth part is the research on the farmer's insured willingness on the New Rural SocialEndowment Insurance. The chapter uses the questionnaire and interview. And the research showsthat the farmer's general willingness of insuring the New Rural Social Endowment is relativelystrong, and the evaluation on the New Rural Social Endowment Insurance is high. This part is alsobased on the analysis to conclusion that the system design of New Rural Social EndowmentInsurance which includes financial aid and supervision is the factor can affect the farmer'swillingness election of participating the New Rural Social Endowment.The sixth part is the empirical search on the farmer's insured willingness on the New RuralSocial Endowment Insurance. The paper uses the Logistic regression model to research, and theresult shows that the farmer's age, health, children number, land area and uncertainties is theimportant factors to affect farmers to participate in the New Rural Social Endowment Insurance,however, the gender, the education and the annual income is not.The seventh part is the conclusion and policy suggestions. The chapter proposes severaladvices such as strengthening legislation, stepping up publicity efforts and strengthening the filialpiety culture construct and etc according to the research result, which will with provide experiencefor reference for the smooth implementation of the New Rural Social Endowment Insurance...