A Study Of The Affordability And Influencing Factors Of Farmers' Wheat Insurance Premiums In Hebei Province

China's wheat production and consumption are the highest in the world,and wheat as the main food crops in China plays an important role in many aspects,,such as food production,circulation and consumption.Wheat is the second largest food crops in hebei province,and in the process of the current wheat insurance in hebei province,the government and insurance companies occupy the main position.The government provides subsidies to farmers and insurance company performs the policy agricultural insurance and businesses agricultural insurance products.Relative to the government and insurance companies,farmers' condition is not affected by attention,only passively accept,to bear its own premium level don't have the ability to identify,to wheat insurance demand,do not want to protect.Over the years,the income level of farmers in hebei province has been increasing year by year,and the economic strength has gradually been strong.In 1978,the per capita net income of rural residents in hebei province was 114.06 yuan,and by 2016,the per capita net income was 11,919 yuan,104 times that of 1978.Even in this case,the insurance rate for wheat insurance is still low.So this article stands in the Angle of the farmers,under the background of the farmers‘s economic strength increasing,from the economic and psychological two aspects to study at the same time,the research on wheat farmers insurance premiums respectively economic bear ability and psychology to bear ability? What aspects are not affordable? What are the factors that affect affordability?First of all,this paper makes a statistical description of the affordability of wheat insurance premiums.Secondly,from the economic aspects and psychological aspects to study the farmers' insurance premium affordability.In terms of economic affordability,the ELES model is used to demonstrate the economic affordability of wheat insurance premiums in hebei province.The results show that the majority of farmers in hebei province have full economic capacity for the insurance premium of wheat.In view of this,using CVM model calculates the insurance premium of psychology to bear ability of wheat farmers in hebei province specific values,the calculated result is lower than the current in hebei province to carry out the wheat farmers deductible part of the insurance premiums.It can be seen that the farmers have no tolerance to the insurance premium of wheat.On this basis,Logistic model was used to analyze the factorsaffecting the psychological endurance of farmers and put forward corresponding policy Suggestions.This article's innovation mainly lies in the farmers bear ability on wheat insurance premiums can be divided into two aspects,the first research on wheat farmers insurance premiums economic bear ability,in the developed on the basis of economic bear ability how,the study of psychology to bear ability.In this way,it is helpful to distinguish the real reason of the narrow coverage of wheat insurance,and put forward targeted policies and Suggestions on this basis.