The Analysis Of Influence Factors About Farmers Participate In The New Rural Endowment Insurance In Lin An

Since 2009,the New Rural Endowment Insurance was getting carried out nationwide whose goal is to get all the Chinese farmers insured until 2020.But for now the coverage rate is 83.4% which makes the way to the final cause an extremely far and hard.To understand the elements effecting the actualization of our aim,this paper is going to discuss about two effectual elements,characteristics of farmers and the features of the policy,after combining and analyzing both domestic and foreign literature about this topic.We are going to unite the questionnaire survey with the current information and data and put the Logit model into use to evaluate the implementation status of the New Rural Endowment Insurance in Linan,and put forward the corresponding suggestions.The article selects the Jinbei street in Linan district as the investigation place,the factors affecting farmers' participation in the new agricultural insurance are refined into two levels of variables: the level of personal characteristics and the level of system design.By looking into the two elements closely and segmenting them into a few smaller factors,we find both of these elements have an influence on the coverage progress of the Insurance policy.For farmers,who are older in age,divorced,widowed,remarried,better educated and financed,having a worse health,smaller family and more friends and relatives already insured,are more probably to look for insurance.And the more the farmers know about the policy,also the more likely they will get insured.Moreover,the reasonableness,liability,amount of pension and the way the policy gets promoted have an important effect on farmers knowing and evaluating the policy.In conclusion,this paper argues that the implementation of the new rural social security system in Linan is effective,but the problem of farmers' participation in insurance is not high,the number of insured persons is not stable,and the coverage rate is low.In this regard,the policy suggestions are: local conditions,It differs from man to man.to carry out targeted advocacy,strengthen the insurance team construction,improve farmers' confidence in the way of the new agricultural insurance,the new agricultural insurance to strengthen publicity and promotion;through widening financing channel,increase the industrial policy support,to meet the multi-level needs to explore the establishment of a multi-level old-age security system;adjustment and improvement of government subsidies and payment mechanism,increase the new agricultural insurance financial subsidies,setting a certain flexibility subsidy standards;supervision and management and improve the new agricultural insurance fund,perfect supervision mechanism,standardize the internal management system,explore the hierarchical management mechanism,provide preferential policies to fund operations.