Study On The Insured Behavior Of The Part Of Farmers In Yunnan Province Under The Regional Perspective

In recent years,with the development of social economy,the frequency and intensity of natural disasters is further enhanced,damage to the social economy is also enhanced,especially to the agriculture is a weak threat.Hunger breeds discontentment,since ancient times is the foundation of national agricultural industry development is the most important,the quality of agricultural development is beneficial to the people's livelihood.Natural disaster is an important obstacle in the process of agricultural development,in order to enhance the enthusiasm of farmers for production,development and promotion of agricultural insurance has attracted much attention in recent years,many scholars carried out research and discussion about the agricultural insurance amount,made abundant achievements,promote the development of agricultural insurance,but not from the fundamental solution of agricultural insurance depth is low,the insurance rate is low.The current domestic and foreign scholars on the willingness of Farmers Insurance from multiple perspectives,research on Farmers'behavior for less,but more or stay in the research on the factors that affect the index system of Influencing Farmers' will of insurance did not form a unified opinion,there is insufficient research problems and the research is not mature and not deep,still need to further strengthen the research.At the same time,there are many scholars with farmers to protect the wishes of farmers on behalf of the insurance behavior,and most of the research is to study the regional "unified",but not consider the characteristics of agricultural spatial differences.The correct understanding of agricultural insurance and its relationship with the objective environment,from spatial perspective the study has important theoretical and practical significance to study the level or application level.Based on this,in the Yunnan plateau region,according to the sample selection principle,select sample village for more detailed investigation.In this paper,clustering analysis,Howard-Heath model,AHP-FCE model and Logistic regression analysis model and SPSS statistical analysis software and Arcgis geospatial analysis software and other methods and techniques to study.This paper chooses Yunnan Luliang County Zuo Libao Village,Zhaokua Village and Shuangjingkou Village and Weishan County,the village of minqiang Village,Yonghe Village and North Bridge Village as the study area to carry out human relations under the Yunnan farmers Inspections of the study,the specific study is as follows:First,on the basis of consumer behavior theory,environmental cognition theory,expectation utility theory and spatial analysis theory,the paper analyzes the behavior process of village farmers' behavior in different geographical environment and the reaction mechanism.Through the clustering analysis method to further study the insurance behavior itself,found the difference.Second,the AHP-FCE model and the Logistic regression model are used to analyze the main factors influencing the farmers 'insurance behavior from the perspective of the participant's main body of agricultural insurance.It is found that the satisfaction satisfaction and the scale of planting have an important impact on the farmers' And through the further construction of the main indicators of the evaluation of the model of its quantitative analysis of the two counties in the selection of different characteristics of the three villages to study.Using the mathematical statistics on the study of the six villages are really insured rate of the measure,the results show that Luliang County boast village of the highest rate of insurance,followed by Weishan County,North Bridge Village,followed by Shuangjingkou Village,Village,Yonghe village,the lowest is the people strong village.At the same time,the author also measured the satisfaction and insurance ability of farmers to pay the agricultural insurance,the results show that satisfaction and insurance coverage and farmers with the insurance rate is consistent.Third,according to the theory of spatial analysis,this paper analyzes the insured depth of insurance,the real insurance rate,the satisfaction of compensation and the ability of insurance.According to the objective environment and the humanities and social environment,combined with the questionnaire survey data,from the horizontal geographical location and vertical three-dimensional elevation of its spatial differences exist in the analysis.The results show that the real coverage rate,the satisfaction degree and the insurance ability of the farmers in different counties are different,and the difference of the insured behavior among the Villages in Weishan County is bigger than that of Luliang County.The overall village investment behavior and village farmers in the overall rate of insurance is consistent,the village farmers pay satisfaction with the farmers and the overall ability to maintain a consistent trend.Fourth,under the precondition of following the Gold Cognition Model,the study of the spatial differences in the behavior of farmers' household registration can be found.The reasons for the differences in the behavior of the different villages and the measurement of the relevant factors can make us further understand the obstacles Insurance development of the deep-seated reasons,which for us from a new perspective to explain and solve the current agricultural insurance development difficulties to provide new ideas and solutions.