Research On Satisfactory Evaluation Of Policy-based Agricultural Insurance From The Perspective Of Farmers Based On Data From Fujian Province

Since2006China started the implementation of the policy-based agricultural insurance, in a nationwide pilot, since the research on policy agricultural insurance has entered a new stage. Before this, study on the agricultural insurance is to stop more pauses in the theory stratification plane, is concerned with the behavior of farmers to buy agricultural insurance products. After that, research on agricultural insurance pays more attention to the combination of theory and practice, according to the research literature, the pilot insurance pilot region growing, there have been some academic value and practical guiding good results. The results of these studies both in research angle, or in the research methods and research framework of this study is to provide a useful reference and inspiration.In this study, based on the real development of agricultural insurance policy on Fujian, Fujian policy agricultural insurance development process, achievements, main experiences, difficulties and problems are summed up. On the public goods theory and efficiency theory as the theoretical basis, quasi-public goods characteristics of the agricultural insurance policy are described, the relationship between subsidies and efficiency are analyzed. The study on Fuzhou200households0conducted questionnaire survey, understand and grasp the farmers to buy rice crop insurance, vegetable planting insurance two insurance, for its production and operation, and based on Evaluation of farmers’ policy satisfaction, mining and analysis of factors affecting the satisfaction. Research shows that:(1) the policy-oriented agricultural insurance in the implementation process, the overall progress smoothly, but the agricultural insurance product design needs to be further enhanced, especially has great improvement space at a premium, insurance, security provisions, insurance etc.. Farmers on the premium, insurance, security provisions, such as loss of highest concern, this is also the key variable satisfaction.(2) farmers on the policy of agricultural protection better overall satisfaction, gender, age, culture degree, family population, income level, the production and business operation area, land sources, variety structure, coverage, premium, insurance, claims and other13factors have significant influence on satisfaction. According to the empirical test, found that the influence of gender, age, culture degree, family population, income level, variety structure, premium, insurance coverage, insurance, claims and other10factors on satisfaction, and presents the basic idea of improving the level of satisfaction, especially design, can be through the policy agricultural insurance products more scientific and reasonable the implementation of rural cultural project to enhance the quality, increase the farmer income, expand high-quality varieties and new technology application, which can achieve the expansion of the agricultural policy of insurance coverage, enhance the policy agricultural insurance risk protection function, strengthen the government regulation and control means of the market of agricultural products, so as to improve farmers’ satisfaction on agricultural insurance policy, expanding effect of policy agricultural insurance policy.(3)From the sustainable development of agricultural insurance policy perspective, government intervention in the agricultural insurance market and macro-control is very necessary. Government intervention is the use of administrative means to strengthen the agricultural insurance market, on one hand can strengthen the prevention and control of agricultural insurance business risks, on the one hand, strengthen the on-site inspections of insurance underwriting, claims, on the policy of agricultural reinsurance, financial and other basic links, the protection of consumer interests (household). The government’s macroeconomic regulation and control is mainly through economic means, through improving the price subsidy system, improve the transfer of risk dispersion mechanism, establish product supply system flexible and ensure the healthy and stable development of the agricultural insurance market.