Analysis Of Hunan Peasant Purchase’ Intention Of Agricultural Insurance Of Agricultural Insurance And Its Influence Factors

Hunan is a big agricultural province in China,and is also one of the biggest provinces of our country current food production, the output of main crops include rice, citrus, tea, meat, fresh water products, etc. Due to the geographical location of Hunan province environment, agricultural production always destroyed by natural disasters frequently. Cultivated and raising peasant get a loss in agricultural risks of farmers especially, It’s great significance of research on cultivated and raising peasants’ willingness to buy agricultural insurance and perfect the agricultural insurance system in Hunan province.Articles from cultivated and peasant Angle, first of all,It looked the agricultural insurance purchase intention generalizes the related literature, and expounds the related concepts and theoretical basis. Secondly analyzes the development of agricultural insurance in Hunan province, the study found that agricultural insurance of Hunan province still has four problems:(1) the farmers ginseng protect intention is not strong; (2) insurance company engaged in agricultural insurance business’s enthusiasm is not high. (3) the shortage of agricultural insurance business, (4) the catastrophe insurance support is not enough. Then the article using the method of measuring the empirical analysis of the factors affecting the will of planting and raising peasant agricultural insurance insurance, found that planting a peasant number of gender, age, family labor, family social capital ownership is a major disaster losses over the past three years, five factors have significant impact on the willingness to buy agricultural insurance. Finally, according to the above research conclusion from the angles of government and the insurance company policy Suggestions are put forward.:(1) the establishment of catastrophe risk fund, promote securitization of catastrophe risk, disperse catastrophe risk; (2) increase financial support, and promote the development of agricultural insurance; (3) the supervision and the specification of the operation of insurance companies, protect the rights of planting and raising peasant. (4) adjust measures to local conditions, scientific develop agricultural insurance mode.; (5) perfect the agricultural insurance development and design, better services for agricultural development; (6) develop a batch of high comprehensive quality, agricultural insurance business skilled talents; (7) increase the publicity of agricultural insurance, raise awareness of the risk of farmers; (8) improve the work efficiency, especially the settling efficiency and increase the farmer’s satisfaction.