| Agriculture has been in the position of primary industry in our country,which is the cornerstone of national economic development.The development and revitalization of agriculture has been an important strategy of our country.Document NO.1 of the Central Government,issued on the February 5th 2017,pointed out the need to improve agricultural financial subsidy system and reform the investment mechanism for financial supporting agriculture.Agricultural insurances are widely paid attention to,as an effective means to manage agricultural risks and an important booster,stabilizer and safety net of agricultural production.In the 2017NPC and CPPCC,agricultural insurance became a hot word.In recent years,China’s agricultural subsidies have been increasing,but efficiency needs to be improved in the current situation of agricultural insurance subsidies.The agricultural insurance development level is relatively low.Therefore,this article has done research on the theory and the empirical research of the influence of the agricultural subsidy to the agricultural insurance demand in different regions.In the part of theoretical analyses,this article first analyzes the basic theory of financial subsidy,explains the theoretical basis of agricultural financial subsidy,and points out the role of agricultural financial subsidy.Secondly,the basic theory of agricultural insurance demand is analyzed,the meaning and theoretical basis of agricultural insurance demand are explained,and the influence theory of financial subsidy on agricultural insurance demand is analyzed generally.Finally,this paper analyzes the influence mechanism of financial subsidy on agricultural insurance demand,analyzes the influence of agricultural subsidy on farmers’ insured behavior,and then analyzes the positive influence of agricultural subsidy on agricultural insurance demand from the perspective of economic consumer effect.In the empirical part,this paper first explains the data source,the model setting and the variable selection.Then this paper takes the panel data of 31 provinces in 2003-2015 years as a sample to carry out empirical analysis.In the process of analysis,the first step is to do the panel data unit root test to avoid "pseudo regression".The second step is to do the F-test and calculation of F-statistics.By calculating the statistic of 31 provinces’ panel data in China,the paper shows that the data of the National 31 provinces is a variable coefficient model in the process of regression.Then according to the traditional economic region of our country,the F-statistics of data in the eastern,central and western regions of China are calculated separately.This shows that in the classification of traditional economic regions,there are still differences in the internal influence of the regions.Thirdly,according to the idea of cluster analysis,the paper classifies 31 provinces by the level of agricultural financial subsidy per capita,and carries out F-statistics tests,and finally divides 31 provinces into seven regions on the basis of examination.Finally,the model forms of each region are selected and applied in each of the seven regions,and the results are explained and analyzed.From the result of regression,the financial subsidy has positive effect on the demand of agricultural insurance in each region,but the influences of subsidy on agricultural insurance demand in each region are different.In the last part of the paper,it puts forward some suggestions on agricultural financial subsidy and the development of agricultural insurance.On the basis of developing and perfecting agricultural insurance,the government should increase the strength of agricultural financial subsidy,and optimize the structure of agricultural financial subsidy,rationally plan the proportion of agricultural financial subsidy,and formulate multi-level and pluralistic agricultural financial subsidy system.In addition,it puts forward the corresponding research prospects based on the study of this paper. |
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