Investigation And Empirical Study On Influencing Factors Of Agricultural Insurance Intention Of Family Farm In Hebei Province

Agricultural insurance is supported by government policies,through mature market-oriented operations,providing flexible and efficient risk management tools for all aspects of agricultural production,effectively protecting the interests of farmers.In the context of the development of modern agricultural industrialization and the transfer of land management rights,a series of new types of agricultural operations emerged.Among them,the family farm was officially written into the Central No.1 document in 2013 as one of the new agricultural management entities.Since then,family farms have continued to emerge and are highly concerned.In 2014,the “Guidelines on Promoting the Development of Family Farms” issued by the Ministry of Agriculture pointed out the right direction and provided strong support for the development of family farms.At the same time,with the family farm as the representative of the new type of agricultural management,the demand for agricultural insurance to effectively avoid and spread risks is also increasing.In recent years,under the guidance of relevant documents,Hebei Province has taken various measures to promote the healthy and orderly development of family farms in the province.However,in the case of a well-developed family farm,the subject faces various risks that are different from traditional agricultural operations,such as market risk and land transfer risk.Agricultural insurance at this time,as an effective means of modern agricultural risk management,should be guided by the needs of the family farm,a new type of subject,and actively seek innovation.However,the key to judging whether agricultural insurance really plays a role is whether the enthusiasm of farmers for insurance is high,which also determines the level of development of agricultural insurance.However,with regard to the current supply of Hebei’s agricultural insurance market,farmers’ limited insurance coverage,low level of protection,and inaccurate claims have caused farmer’s effective demand for agricultural insurance to be difficult to meet,greatly limiting the Farmers’ insurance enthusiasm.Therefore,this article selects the family farms in Hebei Province as the research object,based on questionnaire surveys and interviews with 221 family farmers in the province,from the perspective of the demand and supply of agricultural insurance,the basic situation of family farmers,and the operating conditions of family farms.The family farmer’s understanding of agricultural insurance and the supply of insurance market,etc.,conducted a descriptive statistical analysis of the willingness to insure agricultural insurance,and finally used the Logistic model to empirically test the impact of various factors on the willingness to insure agricultural insurance.And degree.Based on this,the paper finally puts forward the suggestions of effectively increasing farmers’ willingness to apply for insurance from the perspectives of demand side,supply side,and government support of insurance,and hopes that the goal of agricultural insurance services for agricultural modernization can be realized as soon as possible,and at the same time,it is a family farmer.And other new-type agricultural scale operation entities are bigger and stronger and escort.