Analysis Of Quzhou County Farmers Hog Price Index Insurance Payment Willingness And Influencing Factors

In recent years,the price of pig is fluctuating frequently in China.The market risk and Japanese drama in the pig breeding process are increasing,and the production cycle of the pig is long,usually in 3-5 months.Even some varieties need half a year.The farmers are not easy to change their production scale in the breeding production,and the pig breeding and production will be decided.The policy is affected by the early market price,so there is a serious information asymmetry,which has a certain lag in production;at the same time,the farmers are in the inferior position in the market subject,only the recipient of the fixed price,without the competitive ability,so they directly bear the loss of the price.The fluctuation of hog prices not only affects the market supply of pig,but also seriously affects the stability of farmers' income.The pig price index insurance is a new kind of agricultural insurance,which can transfer and disperse the risk of the fluctuation of the pig's price.It is an effective market risk management tool.It has realized the transformation from the traditional agricultural insurance to "the cost saving" to the "income preserving",which can stabilize the pig price and help the pig farmers to make up the price wave of the pig.The loss caused by the movement ensures the stability of its income and raises the confidence of the culture,which ensures the effective supply of the pig market to a certain extent,and plays a certain guiding role for the balanced breeding of the farmers.At present,there are many provinces in the country to carry out the pig price index insurance,but most of them are in the pilot stage.Most farmers have low awareness of them.The operation of insurance products generally needs to meet the law of large numbers.At present,the effective demand for the pig price insurance is not sufficient and the number of insured people is less.It can not be carried out smoothly,so understand the willingness of farmers to pay and influence factors,put forward specific improvement measures to these factors,gradually improve the farmers' willingness to participate in insurance,and promote the stable,healthy and sustainable development of the pig price index insurance.This paper first reviews the research on agricultural insurance and pig insurance at home and abroad.On this basis,using the conditional value assessment method and the Cox proportional risk model,the paper analyzes the willingness to pay for the pig price index insurance and the factors affecting their willingness to pay by field investigation and analysis.The results put forward specific suggestions,in order to be close to the demand of farmers,improve the insurance level of the pig price index insurance,enhance the willingness of farmers to pay,and then optimize the system of pig insurance to provide useful reference.The results showed that among the 242 farmers in the survey,177 people showed thatthey were willing to buy the pig price index insurance,accounting for 73.14% of the total.Through a number of two-sub-item reduction method,farmers who have the willingness to purchase continue to ask the price they are most willing to pay.The survey found that the level of willingness to pay is concentrated in the two intervals of [8,10)and [10,12).In the analysis of the factors affecting the willingness to pay for the hogs price index insurance,this paper first analyzes the overall status of the willingness to pay by the descriptive statistical analysis method,and then through the construction of the Cox proportional risk model,the regression analysis is carried out.The results show that the scale of the pig breeding,the fluctuation range of the price,the price index of the pig.The situation of insurance understanding,the insurance of the traditional pig insurance,the degree of specialization of the culture,the degree of understanding of the government's understanding of the insurance premium of the pig,and so on,have a positive effect on the willingness to pay,and have a positive effect on the willingness to pay,and it has a positive effect on the gender,age,cultural degree,non agricultural income,loan situation,breeding years,and farmers.Risk preference and other factors have little influence.Finally,based on the empirical analysis,the policy recommendations are put forward from the perspective of government,insurance companies and farmers.