Analysis On Influencing Factors Of The Willingness To Buy Policy Forest Insurance Of Farmers

The forestry production cycle is long,the link forestry production is much and the disaster risk is big. Forest insurance has a lot of advantages.For example, forest insurance are difficult to determine and difficult to assess the loss. Also it has difficult compensation, high payment rate and poor profitability. Because the lowintention of farmers of the purchase of forest insurance, the low government subsidies and the present situation of "high amount insured, high premium, high cost, low fraction of coverage " of the dilemma of supply and demand, the forest insurance had been struggling, and almost closed in decades. In the year of2003and2008,the policy is put forward "to speed up the establishment of policy forest insurance system, improve the ability of provides new opportunities for the development of forest insurance.The subject of this article is the purchase intention of the farmers of Dayi County Sichuan Province on the forest insurance policy, the concrete research contents are mainly divided into three parts:at first, the body and summary. The first is the analysis of the background of the topic significance, research method and the literature review; then it analyzes the basic situation of forest insurance development of China and Dayi County; and then analyzes three aspects of the theoretical basis. such as forest insurance economics theory, moral risk theory and the nature of quasi-public goods theory. The next is the core part of this paper, Based on the investigation of283farmers in dayi county of Sichuan Province, the paper collected the data of the basic family situation, cognition of the forestry risk, understanding of forest insurance and the willingness to pay forest insurance,and then, Using the descriptive analysis and binary logistic regression analysis, the paper gets the factors that affect farmers’ willingness to buy:the disaster situation of the forest, the propaganda of the government, the area of the forest, total population, total income and the knowledge of forest insurance. Finally, the paper analysises the problems and suggestions on the basis of investigation and the influence factors. Based on he forest insurance problems and point of views of famers,the existence of factors restrict the development of forest insurance and, such as the forest insurance in coverage, premium, insurance coverage, insurance, franchise, and then provide some suggestions and publicity.