Join Behavior And Its Influencing Facrors In Animal Husbandry Insurance Based On Perspective Of Risk Preference In Shaanxi

In China, culture industry becomes an important way to develop rural economy and increase income. But diseases of animals happen frequently, especially the breakout of serious epidemic diseases, have had a great effect on the production of animal culture industry. Thus, Animal husbandry insurance has been put forward to shift and spread risks. However, the lower insurance demand seriously hinders the development of animal husbandry insurance. Now, it is necessary to carry on detail discussions about raiser’s behavior in the process of animal husbandry insurance, who is the object to promote animal husbandry insurance.Risk preference, an important factor for join behavior of animal culture industry, can result in different individual behavior pattern, which may impact interactive process on decision of the insurance, even great effect of concrete execute. Therefore, the study of join behavior of animal culture industry is based on variety types of risk preference.Based on the existing questionnaire survey, the thesis analyzes theoretically from the perspective of raisers by microeconomics, econometrics, as well as other related theories and methods, include the relations between characteristics of raisers and the risk of epidemic disease.measuring method of risk preference, the raisers’willingness of insurance purchase their payment behavior of insurance premium and their related factors. It possibly be contributed to the sustained development of animal husbandry insurance in the futureChapter One and Two, mainly introduce the theories of culture risk and animal husbandry insurance, including concept and related theories of animal husbandry insurance.Chapter Three, summarized the exiting risk of epidemic diseases and current situation of agricultural insurance. On one hand, it explains the epidemic diseases’impact on raisers, and some relations between characteristics of raisers and the risk of epidemic diseases. On the other hand, mainly analyses the general conditions of animal husbandry insurance in China, and culture industry and its animal husbandry insurance’s develop in Shaanxi, therefore summarize some detail problems about the insurance exiting situation.Chapter Four, studies on the raisers’willingness of insurance purchase and its influence factors in Shaanxi. For the three subjects of vary risk reference, SPSS19.0is use in regression analysis of questionnaires data including of229copies of raisers. According to the regression results, aggressive objectives, as the smallest proportion, are influenced by age, educational level, cultivation years, losses rate of epidemic diseases, risk cognition and insurance cognition. Moderate objectives are influenced by educational level, cultivation scales, the support of government, participation in cultivation integration and insurance cognition. Conservative objectives, as the largest proportion, are influenced by the scales, risk cognition and insurance cognition. Meanwhile, risk cognition and insurance cognition are common factors to each kind of raisers.Chapter Five, studies on the payment behavior of insurance premium and its influence factors in Shaanxi. According to the regression results, aggressive objectives, as the smallest proportion, are influenced by breeding income proportion, participation in cultivation integration, insurance cognition and support of government. Moderate objectives are influenced by losses rate of epidemic diseases, years, breeding income proportion and insurance cognition. Conservative objectives, as the largest proportion, are influenced by breeding income proportion, participation in cultivation integration, insurance cognition and support of government. Meanwhile, breeding income proportion, insurance cognition and support of government are common factors to each kind of raisers.Chapter Six, based on the study of the join behavior of animal culture industry, the paper brings out advices for merging demand desires for the animal husbandry insurance: strengthen the advance publicity of insurance, rely on the support of government and cultivation integration, promote cultivation industrialization significantly and speed up the legal system construction of culture industry. Meanwhile, the same variable may have vary impact to willingness of purchase and its payment behavior...