Research On The Influence Of Agricultural Production Scale And Value To Demand Of Agricultural Insurance

"The countryside is stable,the agriculture is based on the foundation and the farmers are rich." Agriculture,as the basic industry of the national economy,occupies a significant strategic position.The 19th National Party Congress stressed that the issue of solving "agriculture,rural areas and farmers" must always be considered as the top priority of the work of the whole party,and put forward the implementation of the strategy for rural rejuvenation for the first time.In the process of promoting the development of agricultural modernization in our country,agriculture is facing the risk of natural disasters,policy-based agricultural insurance is conducive to ensuring the safety of agricultural production and promoting the adjustment of agricultural structure.China attaches great importance to the development of policy-based agricultural insurance.Since 2004,for 14 consecutive years,the Central Document No.1 has proposed new policies and requirements for promoting the development of policy-oriented agricultural insurance.However,in the course of the development of policy-based agricultural insurance in China,there are still problems such as the cold supply and demand,the limited coverage,the lack of enthusiasm of the farmers,and the lack of awareness of risk.Under such circumstances,it is important to clarify the status quo and major problems of the development of agricultural insurance in Hubei Province,carry out targeted regional agricultural insurance work,further improve the policy-based agricultural insurance system,and increase the coverage of agricultural insurance.The purpose of this paper is to accurately understand the status quo of the development of policy-oriented agricultural insurance in Hubei Province,and to further study the impact of agricultural production scale and value on the demand of farmers to invest in Hubei Province,and put forward reasonable advice on policy level to increase farmers' insurance demand and coverage of agricultural insurance.On the based on the data from field surveys in Hubei Province,this paper uses lbgit econometric models to empirically analyze the impact of agricultural production scaleand value on farmers' demand to purchase insurance.This paper mainly obtains the following conclusions:(1)The relationship between the scale of agricultural production and the willingness of farmers to purchase agricultural insurance is not significant.The value of agricultural production has a significant impact on farmers' willingness to purchase agricultural insurance.(2)There is a significant positive correlation between the education level of farmers and the extent of flood loss and the farmers' willingness to apply for insurance.(3)The structure of peasant households in Hubei province is mainly scattered small-scale peasant households,and remains stable for a long period of time.According to the research conclusions,the following policy implications are obtained:(1)Adapting to local conditions,vigorously developing the characteristic agricultural economy,increasing the value of agricultural production,and increasing the characteristics of agricultural insurance.(2)The government and insurance companies must use multi-channel publicity to increase farmers' awareness of agricultural insurance.(3)By making small-scale farmers form a specific organization to purchase group agricultural insurance,the burden on the farmers' insurance premiums will be reduced and the insurance enthusiasm will be increased.(4)Improve the system construction and strengthen government support.