Research On The Influence Of Agricultural Insurance To Farmers’ Production Behavior In HeBei Province

As one of the main means of diversification, agricultural insurance plays an important role in the process of the effective prevention and control of agricultural natural disaster to promote rural economy steady development. As a province of big agriculture and natural disasters in our country, establishing effective agricultural insurance development pattern in Hebei province has great significance for the province and the national agricultural modernization. Study abroad has been pointed out that agricultural insurance as a main means of diversification, not only has the function of shifting risk, post-disaster compensation can also affect the peasant household decision in the process of the farmer’s production and operation, such as changing planting area and the production of chemical inputs. But if the cause of peasant household decision-making is the occurrence of moral hazard, it will make the role of agricultural insurance in the process of pushing run against the government’s target. Because the occurrence of moral hazard makes the implementation of the agricultural insurance not only can not promote the development of agricultural insurance in our country, still can cause effects on the growth, such as increase government financial burden and abate the farmer’s production enthusiasm. So the article through to investigate part of the peasants in the main production of crops cities in Hebei province (Shijiazhuang, Baoding, Cangzhou, Tangshan, Xingtai, Handan), thus analyzing the actual effect of the implementation of the agricultural insurance on the peasant production behavior in Hebei province. The paper structure is as follows:1Describe the purpose of this article research, the related concept and the theoretical basis. By discuss the public product characteristics and the function of agriculture to describe the way of agricultural insurance work. Through the farmer behavior theory and prospect theory shows the theory basis of farmer’s decision in the production. 2, Make an introduction of the overall development of agriculture, the main natural risk of agricultural production and development of agricultural insurance in Hebei province. Discuss the characteristics and shortages of the agriculture, the natural risk and the agricultural insurance in Hebei province.3Through draw lessons from foreign related research, this article uses some simple economics analysis to discuss the condition of buying agricultural insurance and the way of effecting on peasant production behavior by agricultural insurance moral hazard. Statistics compiled the basic information of the farmers, msurance status, planting area and the conditions of producing elements input in the survey. Thus using the prospect theory and the theory of peasant household behavior to analyze how the agricultural insurance to make specific influence on farmers behavior in Hebei province.4On the analysis of the agricultural insurance influence on peasant production behavior in the process of agricultural development in Hebei province, this article put forward some feasible suggestions about the development of agricultural insurance.Innovation point of this article is mainly on the abandoned the past for each region agricultural insurance investigation focused on the research on peasant household’s own influence on the demand for agricultural insurance, In this paper, we study how the agricultural insurance make effect on farmers decision-making in the process of production under the premise of agricultural insurance has been widely carried out in Hebei province. This article uses the method of questionnaire and case interview to investigate the peasant household production and operation situation of Hebei province. On this basis, we analyze the farmer’s production status, the insurance situation, to study the influence of the agricultural insurance for farmers’ produce behavior.At the same time,because the agricultural insurance demand and behavior of peasant household production decision influent each other, this article does not give a specific model for quantitative analysis of the influence of agricultural insurance to behavior of peasant household production, just on the basis of the data collection made simple econometric analysis. It is mainly about the behavioral economics analysis for the actual behavior differences caused by agricultural insurance, the conclusion support of full text is appear weak. In addition, on the research of agricultural insurance producing the effect of farmer’s behavioral decision, this article only select the part of the production behavior of peasant households, and this is not comprehensive.