Research On Farmers’ Willingness Of Attending Insurance In "New Rural Social Endowment Insurance" Pilot

Our country is the period in which the traditional agriculture transforms to the modern agricultureand the agriculture society transforms to industrial agriculture.In this period, most of farmers lost theirLand Production because of quick development of industrialization and urbanization. Meanwhile thefamily structure becomes narrower and the farmers” values change, which urges family old-age securityideological basis to change. There is not widely exist that the system of the pension at the community andthe commercial endowment insurance. It’s the necessary to build the rural social endowment insurancein the countryside in the day when graying society is going to be. Since the1980s, government at all levelsbegan to explore the rural old-age insurance system the reality of the country. In2009, The centralheld the national new rural endowment insurance pilot work session. Based on individual capture toexpend collective allowance government subsidies of the combination of the three parties new farmingmaintain a system, to solve the farmers’ endowment problem.In this year, the system of New rural socialendowment was made experiments, gradually, it will be more and more comprehensively, and ensure thatbefore2020, the national accord with the conditions for farmers realized all ginseng coverage.Some countrymen didn’t have enthusiasm to participate the "New Rural Insurance System". Andthe low insurance coverage which lead to the difficulty to popularize it. This iatrical examines the factorsof Luanchuan County Henan Province (the pilot of" New rural social endowment insurance ") according tothe effect of people participate the "New Rural Insurance System".Doing a survey of the factors which will influence the farmers’ willingness to take part in theinsurance will contribute to improving. The New rural social endowment insurance, increasing the rate, and solving the problem of farmer, agriculture and countryside. it gives practical meaning to the rural’economy and society development. This easy analysis the outcome of the former’ scholars about thefarmers’ willingness to take part in the insurance with the theory of social exchange, with social exchangetheory mallow’s hierarchy of needs theory and the economic man supposition theory as the theoreticalsupport. As the practical standpoint. First,this essay give a general introduction of fundamental conditionsof the case. And give a classified introduction of the sample. second. It gives a gradual analysis inaccordance with the survey’s data according to the experimental unites of the New rural social endowmentinsurance system; the practical rate of the insurance. the farmers’ awareness, the degree of farmers’understanding to the policy, the assess and expectation to the policy. Finally, the effects of peopleparticipate the "New Rural Insurance System" are separated into categorizes: external macroscopicallyfactors and internal microcosmic factors. Internal microcosmic factors including personal essential features,family structure essential features, family economic, the expectation of people participate the insuranceand the view of people. And external macroscopically factors including designing system, governmentexecutive ability, credibility of the organization, features of the areas and neighborhood effect. We haveanalyzed the data what have mentioned above using System of SPSS17.0, and the result show that the allthe factors affect the will of people participate the " New rural social endowment insurance ",to one degreeor another. Finally, the text put forward some suggestions and measures to promoting farmers’ will oftaking part in the insurance. First, they should accelerate the construction of " New rural social endowmentinsurance " institution, make the policy suit the village’s situation and attract more famers take part in theinsurance. Second, in order to ensure farmers’ benefits they should establish some related laws andregulations. Third, they should enhance the execution of the government and the farmers’ confidence ofinsuring. Fourth, they should penetrate into village and do some propagandist education. Thus, transform the peasants’ pension. Then, they should intensify a series of policy, increase famers’ income, and lay amaterial foundation on taking part in social endowment insurance. Finally, they should probe insurancefund’s value model and promote farmers’ proceeds on insuring.