Analysis Of Factors Influencing Xinjiang Bingtuan Farmer Purchase Of Agricultural Insurance Policy Decision

The xinjiang production and construction corps,is a special organization in the process of the national implementation of the policy agricultural insurance,the particularity of xinjiang production and construction corps to have special problems in the process of agricultural insurance business.The particularity of corps organization mainly embodied in the corps of various divisions without their own fiscal revenue,lead to corps in policy-oriented agricultural insurance only enjoy the central fiscal subsidies,the county level cities does not enjoy subsidies,at the same rate under the condition of the forehead corps more than local farmers bear 15% of the premiums.Second special land contract management pattern has also led to agricultural insurance have a special problem in the process of insurance claims,nearly two years production and construction corps agricultural production and operation mode also in unceasing reform,corps of farm workers had more autonomy.In this environment to understand corps policy-oriented agricultural insurance decision factors of how to compliance policy agricultural insurance business,to carry out the national favorable policies,expand scale of policy-oriented agricultural insurance is of great significance.Fields(all divisions by questionnaires,615 farm workers personal basic situation,contract management scale,family income,agricultural insurance,degree of cognitive comming back through SPSS18 software summary analysis of the survey data,find the main factors influencing the corps staff policy-oriented agricultural insurance guaranteed level(i.e.,mu coverage),family planted area,household income,net income or disposable income)of insurance companies insurance service satisfaction and farmers.Through analyzing the above factors,put forward to increase farmers security degree(increase in coverage or innovative new services and requires insurance products),introducing new technology survey technology,increase the policy-oriented agricultural insurance publicity,expanding variety of subsidies and improve the proportion of subsidies,such as policies to boost their farmers policy-oriented agricultural insurance.