Fujian Province Small Scale Farmers’ Agricultural Insurance Behavior

Promoting modern agriculture construction in Fujian Province, improve farmers’loss prevention ability, must be established including Fujian Province agricultural risk prevention mechanism, and modern agriculture is adapted to input safeguard mechanism, and agricultural risk prevention mechanism is one of the important contents, is to actively develop agricultural insurance. In Chinese agriculture commercialize, internationalization competition under the background of agricultural insurance in Fujian Province, in addition to the traditional agricultural production implementation beforehand and afterwards economic compensation, stable farmer income and other functions, under the new situation of agricultural insurance in Fujian province function continues to expand and extend. In general, the main object of research is reflected in the following aspects:(1) the improvement of Fujian agricultural management main body credit statusAgricultural insurance can enable individuals to transfer and disperse risks effectively, implementation will not stable risk into stable risk. The agricultural insurance for security, agricultural production tends to be stable, the operator income guarantee level, which is beneficial to the improvement of agriculture of the Fujian province and the main business of economic status, so as to improve its credit status, easy to get a loan, guide agriculture financial capital flows into, stimulative agriculture production to expand the scale, raise intensive to change production level and reduce agricultural financing cost.(2) to promote the stability of the financial system in rural areas of Fujian ProvinceAgricultural insurance is not only stable agricultural production, security interests of the powerful means, due to the Fujian province agriculture plays a supporting role in financing, so Fujian province is an important part of rural financial system, its development is closely related to the rural financial system in Fujian Province integrity and robustness.(3) to promote Fujian to save agriculture and rural economic developmentAgricultural industry and other industries with a high degree of linkage, the development of agricultural production directly drives the agricultural antenatal, postpartum and related service industry development, the increase of peasants’ income can directly promote the industrial products, consumption of service industry. As a result of agricultural insurance in Fujian province of agricultural investment income stability, will promote the social increase on modern agricultural investment. Therefore, the agricultural insurance can promote agricultural production stability to promote the stability and development of rural industry(4) to promote Fujian Province Economic Development and social stability Agriculture is the mother of industry, is the foundation of national economy, it is the main source of livelihood,"3farming" the problem is not only directly related to the Department of industry development, employment growth and regional stability, and stimulating domestic demand, core strength, to achieve sustained economic development is the fundamental guarantee of. Therefore, the agricultural insurance of Fujian province to promote agricultural stability and development, make broad farmer face the natural calamities and man-made misfortunes, in favor of Fujian province national economy and social stability, the development of.The present study through theory analysis phase of the inductive and deductive reasoning, logical reasoning and model construction, as well as the empirical stage based on different pilot counties in Fujian province small scale farmer questionnaire, statistical analysis and model test, on China’s small scale farmers risk characteristics of a comprehensive and systematic description, and draw lessons from Japan and India in the development of small scale farmers, the agricultural insurance rate with respect to the practice and experience, on how to improve Fujian small scale farmer agriculture insurance rate and put forward the policy measures and the specific design, with period the around the city in Fujian Province agricultural insurance pilot provides practical guidance.