Study On The Regional Differences And Influence Factors Of Agricultural Insurance Exclusion

China's agricultural insurance has achieved rapid development after the pilot of premium subsidies,premium income and agricultural insurance coverage also have been greatly improved.But in recent years,the growth rate of agricultural insurance is slowing down,the agricultural insurance development gap between regions is still significant,agricultural insurance exclusion is an important cause.The exclusion of agricultural insurance will not only seriously affect the long-term and stable development of China's agricultural insurance,but also hinder the spread of agricultural risks,resulting in a negative impact on China's agricultural.To understand the agricultural insurance exclusion problem,in-depth analysis helps to develop agricultural insurance policy formation mechanism and its influencing factors of agricultural insurance exclusion,and promote the healthy development of the coordination of rural economy.This paper uses entropy method and principal component analysis method to measure the degree of rejection of agricultural insurance and analyzes regional differences with the provincial panel data during 2007-2014.Based on the measurement of the degree of agricultural insurance exclusion,the influence factors of agricultural insurance exclusion in different regions were studied by using different geographical locations and major grain producing areas.The conclusions are as follows:(1)the exclusion of agricultural insurance in our country is serious and the phenomenon of polarization is obvious.The use and utility degree of agricultural insurance can reflect the exclusion of agricultural insurance.The study found that China's agricultural insurance exclusion degree is relatively stable,decreased slightly,But the overall rejection is serious;different areas have different agricultural insurance exclusion,and the polarization phenomenon is obvious;the use and utility degree of agricultural insurance reduce the degree of exclusion with a larger role therefore the scale of agricultural insurance market should be further expanded.(2)the policy environment and the conditions of rural economic and social resources can significantly affect the exclusion of agricultural insurance,but have different effects in different regions.This paper investigates the influence factors of agricultural insurance exclusion with the perspective of policy,economy,society and human geography.The exclusion of agricultural insurance have been influenced with different degree by agricultural insurance premium subsidies,market concentration,natural disaster relief,agricultural comprehensive development of agriculture risk level,education level of the farmers,the project investment,the first industrial added value,infrastructure construction,agricultural income and rural financial resources and other factors in different samples.(3)reduce the concentration of agricultural insurance market,increase agricultural insurance subsidies and other measures can significantly reduce the exclusion of agricultural insurance,different regions have different options.To improve the agricultural insurance premium subsidies and lower market concentration can significantly influence the agricultural insurance exclusion in the full sample and the subsample,other factors in different regions have different effects,related policy should be determined according to the actual situation.