Research On Demand Desire And Influencing Factors Of Agricultural Insurance For Farmers

Policy agriculture insurance can effectively diversify farmers' agricultural production risk,promote agricultural production structure adjustment.on the one hand,Policy-based agricultural insurance is signed by the farmers and insurers,it is an insurance contract.The agricultural insurance make the risks transferred to the insurer.It will reduce the farmers agricultural production risk;the other hand,the government reduces the insurance company's operating risks through financial subsidies,tax incentives and other policies.Policy agriculture insurance is an important measure to support agriculture and solve the "three rural issues".However,at present,the density and depth of China's agricultural insurance are relatively low,the effective demand of policy-oriented agricultural insurance is obviously insufficient,the farmers' willingness to be insured is not positive,the risk consciousness is not enough,and the coverage of agricultural insurance is limited.Therefore,in the case of serious shortage of agricultural insurance,Research on demand desire and influencing factors of agricultural insurance for farmers is helpful to improve the development of the policy agricultural insurance.The research will increase poverty alleviation and support agriculture,so it will have an important practical significance.Based on the analysis of the policy agricultural insurance in Shandong Province,this paper uses Logit econometric model to analyze the main factors influencing farmers' purchase of agricultural insurance and utilize the data of influencing factors of farmer's agricultural insurance demand in 2017 in Shandong Province.So as to provide theoretical and practical basis for the formulation of agricultural insurance policy in Shandong Province,to promote the rapid development of agriculture and increase the economic income of farmers' agricultural management.Through the research of this paper,we get the following conclusions:The farmer's expectation of agricultural production and operation risk,the satisfaction of the insurance company,the level of education,the access to agricultural insurance information,the government's subsidy to the agricultural insurance premium,the proportion of the agricultural income to the household income,the payment of the premium Demand for agricultural insurance have a significant correlation to the demand of farmers' agricultural insurance.The relationship between the fanner's working years and gender are not significant with the demand of the farmer's agricultural insurance,but the return coefficient of the gender is positive,indicating that the male demand for insurance is higher than that of the woman;the coefficient of the number of years of employment is negative,because the higher age of the farmers have the lower risk awareness and receptivity.There is a positive correlation between the cultivated land area and the willingness of the farmer's agricultural insurance demand.Finally,based on the above empirical study on the willingness and influencing factors of farmers 'policy agricultural insurance demand,this paper gives some policy suggestions to increase the effective demand of agricultural insurance,such as raising fanners' awareness of agricultural risks and economic income level;speeding up the legislative work of agricultural insurance,improving the laws and regulations about it;to make full use of diversified channels for publicity;according to the actual situation of differentiation to innovate insurance and insurance responsibilities;to improve the service capacity of the insurance operators.