Empirical Analysis Of Influencing Factors For Farmers’s Willingness To Participate In Agricultural And Countermeasures

Agriculture as the foundation industry has always been about the lifeblood of the whole country. Atthe same time agriculture is a weak industry, influenced by the weather and other natural disasters. Recentyear global climate is instable, environmental destruction and pollution is more serious, which has effectson agricultural production. Crop harvest is not stable, which effects farmers’ income directly. And farmer’seconomic foundation is weak, and their ability to withstand natural disasters is limited, so they need aneffectively resist natural disasters and the effective measures to guarantee the harvest. So the agriculturalinsurance plays such a role. Especially in recent years, policy agricultural insurance has a rapiddevelopment. The scale of the agricultural insurance ranked second of the world in2012. Although thestate makes series of supplements and improve the agricultural insurance, but there are still part of theprovince has some difficulties in implementation. This study will analyze the basic situation of agriculturalinsurance in Hebei province.Firstly this study based on the theory of quasi-public goods attribute of agricultural insurance, theconsideration of agriculture theory, the special risk theory of agriculture and agricultural insurance costsand benefits and adverse selection and moral hazard theory. On the basis of summarizing the domestic andforeign research, integrated analysis, it is concluded that the main factors that influence the farmers to buyagricultural insurance. Secondly design the questionnaire, research the typical agricultural county inHandan Hebei province about the agricultural insurance; Thirdly, analyzing questionnaire data and theinfluential factors of the farmers, who buys agricultural insurance, it is concluded that the characteristics ofthe various influence factors and influence the direction; Finally, using the binary Logistic regressionmodel to make an empirical analysis of the influencing factors.The model results shows that farmers,age, farmers affected by education level and agricultural incomein family income ratio is the main influence factors, and the changes is in same direction; The farmers,cognition degree on agriculture risk and agricultural insurance is also the main factors that influence thefarmers to buy agricultural insurance. And the change is also in same direction. The government subsidiesalso effects agricultural insurance, and the changes is in same direction.According to this study, combined with the local actual situation in Hebei province, we put forwardthe following policy Suggestions: From the perspective of the government, it should increase the intensityof government subsidies, including agricultural insurance premium subsidies for into the centralgovernment, enhancing the premiums for local government in Hebei province. And the governmentsupports to establish “Unity”; From the perspective of insurance companies, it improves the level of theservice quality and integrity of insurance company. Including insurance companies should standardize theterms of agricultural insurance, simplifying the insurance program, improving the management level andservicing quality; From the perspective of farmers, farmers should strengthen themselves insuranceconsciousness and constantly learning knowledge about agriculture, agricultural risk and the related theory.