Study On The Factors Affecting The Intention Of Dairy Farm To Participate In Dairy Insurance In Hebei Province

In 2013,2017 and 2019,the No.1 Document of the Central Committee repeatedly mentioned the actions to strengthen the construction of high-quality milk source bases and revitalize the dairy industry.Therefore,the revitalization of dairy industry in Hebei Province is of great significance.The Hebei Provincial Government implemented policy-based dairy insurance to implement the central government’s policy of revitalizing the dairy industry and promoting the sustained and healthy development of the dairy industry in the province.Dairy cow insurance plays an important role in transferring and dispersing the risk of dairy farming,reducing the economic losses of farm,stabilizing farm’ income and promoting the prosperity of the dairy industry.The key to the development prospect of dairy cow insurance in Hebei Province lies in the farm.Therefore,the purpose of this paper is to explore the main factors affecting the willingness of dairy farm to participate in the insurance,to find out the problems in the development of dairy insurance and to propose solutions to enhance the insured of the farm.Willingness,let the dairy insurance benefit the farm in Hebei Province,and escort the development of the dairy industry.Based on the research on dairy cattle breeding industry and dairy cow insurance development at home and abroad,this paper analyzes the implementation methods,system operation framework,insurance and claims of Hebei dairy cow insurance,and finds out the problems in the development of dairy cow insurance in Hebei Province.In order to investigate the willingness of dairy cow farms in Hebei Province,this paper uses Logit model analysis method to explore the influence of dairy farms on the basic characteristics,breeding situation,risk awareness and satisfaction of dairy cow insurance.The main factors of willingness;Finally,on the basis of the empirical results,with reference to the development experience of dairy farming and dairy cow insurance at home and abroad,combined with the shortcomings in the development of dairy cow insurance in Hebei Province,the conclusions are drawn and countermeasures are proposed.The research findings in this paper are as follows:(1)The willingness of the dairy farm to participate in the insurance is affected by factors such as the number of employees employed in the farm,the profit of the farm,the awareness of the risk,the satisfaction level of the cow insurance,and the recognition of the role of the cow insurance.The more employees are employed,the weaker the willingness to participate;the higher the breeding profit,risk awareness,satisfaction level and the recognition of the role of dairy insurance,the stronger the willingness to participate.(2)The farm has low satisfaction with the current level of dairy insurance protection,and it is expected that the cow insurance will set a higher level of protection.(3)The supply of dairy insurance in Hebei Province does not match the diversified needs of the farms,resulting in limited risk prevention for dairy cow insurance,thus weakening the willingness of farmers to participate in insurance.(4)The risk awareness of dairy farms in Hebei Province is generally low,and the risk perception positively affects the willingness to participate.Therefore,the lower risk awareness is a factor that the farms are not willing to participate.(5)Dairy insurance services are unprofessional and the claims efficiency is low,which results in low evaluation of dairy farm insurance services.The innovations of this paper are as follows:(1)In the study of the factors affecting the willingness of farms to participate in insurance,in addition to selecting the number of farmed dairy cows,cow mortality loss and risk awareness,the farms’ satisfaction with dairy insurance services and the effect on dairy cow insurance are increased.The subjective variables such as recognition degree,find out the main factors affecting the willingness of farms to participate in the development of dairy cow insurance,and expand the research field of Logit model.(2)Research on the willingness to participate in agricultural insurance involves less insurance for dairy cows in aquaculture insurance,and most of the provinces in Inner Mongolia and Liaoning are research areas,and there are few studies on Hebei Province.This paper uses the field research data of Hebei Province,draws on the characteristics of dairy cow insurance in developed countries,and combines theory with practice to conduct an in-depth analysis of dairy cow insurance in Hebei Province.