| The development of agricultural economy is the basis of long-term and the sustainable development of national economy.However,agriculture is a weak industry,which is highly affected by agricultural risks in the process of production and management.Agricultural insurance is a decentralized compensation mechanism for agricultural risks,which plays an important role in the steady development of agricultural economy,the protection of agricultural reproduction ability,the increase of farmers' income,the stabilization of rural life and the increase of social welfare.Tiandong County of Guangxi is a pilot county of the Insurance Regulatory Commission system for agricultural insurance.With the state providing a large amount of funds and policy support for the development of agricultural insurance,it is developing policy-oriented agricultural insurance in an all-round way.And it has been exploring the innovative model of agricultural insurance.At present,the rate of participating insurance is less than 50%in Tiandong County,it is far from the national level.The low participation rate of farmers and insufficient demand for agricultural insurance is one of the important problems in hindering the smooth development of agricultural insurance in Tiandong County.Therefore,it is of great significance to study the influencing factors of farmers' demand for agricultural insurance to promote the process of agricultural modernization in Tiandong County,improve the income level of farmers and speed up the pace of getting rid of poverty and becoming rich.Based on the analysis of the domestic and foreign research results and theoretical analysis on the agricultural insurance demand of relevant farmers,this paper analyzes the current situation of farmers' participation in agricultural insurance in Tiandong County,Guangxi,and finds that the farmers' insurance coverage is less and the proportion of insured farmers is low.Agricultural insurance supply is insufficient,insurance clause is not perfect and so on.Based on this,the Logistic regression model is used to study the significant factors affecting farmers' agricultural insurance demand.It involves the basic situation of farmers,farmers' cognition of agricultural risk and insurance,and the government policy environment and other three variables.From the regression results,we know that the variables that have significant influence on farmers'agricultural insurance demand:proportion of agricultural income,loans,types of natural disasters affecting agricultural production,and whether production technology has an impact on agricultural production.The number of known agricultural insurance companies,the degree of understanding of agricultural insurance,the anarchic subsidy after the disaster,and each variable has a positive relationship with farmers' demand for agricultural insurance.According to the conclusion of the research,the paper puts forward some countermeasures and suggestions from farmers,insurance companies and government to improve the demand level of agricultural insurance for farmers in Tiandong County,Guangxi. |
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