Study On Influencing Factors Of Apple Growers’ Payment Behavior For Agricultural Insurance

As an ef fective means of loss-sharing and risk-spreading,agricultural insurance have important practical significance in increasing farmers’ income,encouraging the agricultural operators’ enthusiasm for production,ensuri ng national food security,promoting the comprehensive development of the rural economy and enhancing the international competitiveness of agriculture.Meanwhile agricultural insurance is a significant tool f or agricultural risk m anagement,as well as the important object of s ubsidy for agricultural development; agricultural insurance system has become one of the m ost important "green box" policies that developed countries support their agricultural development.China, as one of the most serious agricultural disaster country, agricultural insurance ha s been the focus of government support for agricultural developm ent. From 2004 to 2007 four consecutive years,the central document made important instructions on agricultural insurance, agricultural insurance should been developed actively and constantly to improve the agricultural insurance system; in particular, the implementation of agricultural insurance premium subsidy policy in 2007 promoted the rapid development of agricultural insurance in our country; but overall, the developmental level of agricultural insurance is still very low, the a gricultural insurance system is imperfect,the species of agricu ltural insurance is ve ry simple,the ag ricultural insurance policy system is not completed; in addition, it lacks standards in the process of the implementation of agricultural in surance, in some areas people lie and seek rent frequently, agricultural insurance covers incomprehensive. Currently, the national level of agricultural insurance support and direction mainly focus on m aintaining food security and take staple grain, oil crops, and cows, sows as the m ain insured object, therefore alm ost all of th e researches centralized on this field.As a result,research on the perennial high-value agricultural products(such as Apple) that play important role in boosting farmers’ income and reducing poverty is still not very thoroughly. Therefore, exploring the influencing factors of high value agricultural growers’ payment behavior for agricu ltural insurance has significant theoretical value to perfect the agricultural insurance theory and the application boundary of Agricultural Insurance.Based on the assum ption of rational-econom ic man and the expected utility theory, regarding "the apple growers’ payment behavior for agricultural insurance " as th e research object, through designing em pirical analysis model, using l ogistic model to analyze 1,086 apple growers’ payment behavior for ag ricultural insurance who f rom our m ajor apple-producing areas in 12 counties. Based on the following logical construction "Introduce a questionâ†'Review Literatureâ†'Analyze Theoryâ†'Test Empiricalâ†'Draw a conclusions â†'suggest proposals " divide this paper into five chapters: Th e first chapter introduces the background and significance of the study, abroad and dom estic scholars’ studies on influencing factors in agriculture insurance demands, evaluates major research achievements and views in this filed, also including research m ethods, research ideas and possible innovation points and defects; the second chapter in troduces the definition of agricu ltural insurance, its quasi-public goods attribution, an d theoretical basis of paym ent behavior for agricultural insurance;in the third c hapter, by describing the current situation of agricultural insurance development in our country, the natural disasters that apple industry facing and its own characteristics,pointing out that it is extremely urgent to develop agricultural insurance in the apple industry; the fourth chapter introduces the model set in this study, data sources and processing methods, at the same time, analysising the factors of farmers’ payment behavior for agricultural insurance in order to provide a foundation for later policy suggestions; the last chapter on the basis of m ajor findings from the main factors af fecting farmers’ payment behavior for agricultural insurance puts fo rward policy recommendations to promote the development of agricultural insurance in apple industry even throughout the whole agricultural sector.Through empirical research,we draw the fo llowing conclusions: First, the governm ent should play a vital role in the im provement of agricultural insurance; secondly, farmers in different regions have significant differences on payment behavior for agricultural insurance; and finally, education and once social experien ce these personal characteristics, home-grown apples total income, whether family have loan such household characteristics and cognition on natural disasters are the m ain factors af fecting farmers’ purchasing decisions for agricultural insurance.The results of this study indicates that: we can increase government subsidies for agricultural insurance, improve farmers’ awareness o f using agricultural insurance to spread natural hazards, design diversified agricultural insurance products which adjust to local conditions, and strive to enhence the income level of farmers and other effctive ways to promote the development of agricultural insurance in our country.