| China is a developing country which has a huge demand for agriculture.The policy-oriented agricultural insurance has been playing an important role in stabilizing of the entire agricultural system.It not only acts to secure economy,but also do good to the nation’s social and political stability in the long run.China started late in developing agricultural insurance.The nation officially decided to execute the policy-oriented agricultural insurance until 2004.After many years of pilot,as the economy enters in to a “new normal” period,the policy-oriented agricultural insurance has begun to play its positive role,which has well guaranteed the stable development of the entire agricultural economy.Nevertheless,there is still a gap between China and those developed countries in policy-oriented agriculture insurance.Therefore,China still has a lot to learn and improve.In order to understand more of the farmers’(i.e.subject of agricultural insurance)willingness and demand for agricultural insurance,this paper will summarize the existing literature at home and abroad first,and then choose the farmers in the city of Haining as a research group via methods of field visits and questionnaire investigation.The survey mainly involves in ten aspects: education level,the proportion of agricultural income,investigating insurance channels,previous insurance experiences(if any),previous claims experiences(if any),subsidy policy and so on.Based on the survey results,a data collection will be performed,followed by a logistics regression analysis,and finally the author will try to identify the main influence factors affecting the insurance willingness of farmers.After the study,the main factors are the education level of farmers,the proportion of agricultural income,the convenience of the process of insurance,the proportion of government subsidies,the past payment experience.Finally,according to the results of the survey,I put forward some suggestions about farmers,insurance companies and the government. |
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