Study On Demand For Insurance Of Pigs Based On Risk Assessment

With the rapidly development of economic, a substantial increase in the consumption of animal foods promote the rapidly development of China’s livestock industry. By the end of2012, China has developed into the superpower animal products production and consumption country, livestock industry is playing an increasingly large role in improving residents’food structure, increasing farmers’ income and ensuring food supply security. However, the risk of animal disease problems are intensified gradually rose to become the primary factor restricting the sustainable development of animal husbandry in China, and also lead to a serious public health and safety crisis. Pigs Insurance as an effective means of pig breeding industry’s risk management, has successfully apportioned the agricultural risk to the whole of society, has played an important role in keeping security and stable development of China’s aquaculture industry and controlling of disease risk. However, the development of China’s pig Insurance still has some problems, the most critical question is the lack of effective demand for pig insurance, the reason for this phenomenon is widely, according to the research of scholars at home and abroad, pigs Insurance premiums is irrational, leading to the price of pigs insurance and its’value has a large deviation is the main cause that farmers have a low wish to pay for hog insurance. Therefore, this study will expand on the issues, first from the perspective of disease risk, build a distribution model of pig disease risk, and on this basis, has an effective measurement of China’s pig disease risk, aimed provide a theoretical support at the premium rate of pigs insurance; Secondly, starting from the perspective of farmers, according to data obtained by field research, using empirical methods to analyze the reasons causing shortage of pigs insurance purchasing needs.Firstly, we describe some of animal disease prevention and control theories, lay the foundation for later analysis.Secondly, Studying China’s pig breeding industry, make the relationship between disease risk and the death of pigs, Peak over threshold approach based on the extreme value theory was used to model the distribution of disease risk of pigs, and value at risk was used to assess disease risk of pigs. The95%confidence interval of the loss was been calculated in the scenario of different level of disease risk, a basic framework of the pig disease risk assessment has been constructed.Subsequently, on the perspective of farmers, make the use of188farmers‘research survey data in Zi Yang, Sichuan field to expand the empirical analysis, make the willingness of famers’pig insurance purchase as a starting point, from the micro perspective to study the effectiveness of insurance as an important means of the risk management of pigs’disease. The results show that the scale of farming, farming willingness, insurance programs, Insurance understanding situation, the extent of the premium subsidy policies understanding situation, disease status are the major factors influencing the willingness of famers’insurance purchase, and thus Insurance plays a significant role in controlling the risk of pigs disease.Finally, by the analysis of the assessment of the risk of China’s pigs’disease and the factors influencing the willingness of famers’insurance purchase, offer some suggestions to promote the ability of preventing and controlling of animal diseases:strength risk research, build disease risk distribution model; gradually construct livestock commercial insurance, perfect China’s livestock insurance system; formulate effective animal disease prevention and control policies, promote the efficiency use of fiscal funds; improve livestock farming of our country, to achieve large-scale operation; perfect the culling compensation mechanism; perfect Chinas’pigs Insurance laws and regulations, amend or adjust the unreasonable regulations in insurance; implement regional management of animal diseases, strengthen the construction of non-specified area of animal disease.