| In recent years,the Party Central Committee has further clearly proposed the implementation of diversified policy-based agricultural insurance,which has given greater affirmation and guidance to some provinces and provinces in carrying out trials of agricultural product target price insurance.Many years of policy support have gradually expanded the scope of pilot projects and actively guided Multi-participation and joint guarantee of price stability have important implications for the sustained growth of farmers' income.In recent years,due to the constant adjustment of the economic structure of the agricultural industry,extreme weather changes,speculation of hot money,unbalanced supply and demand of domestic products,and international prices,the prices of agricultural products in China,especially vegetable prices,have become extremely unstable,even in a very short period of time.There have been many ups and downs.The price fluctuations,especially dramatic declines,not only affect the normal life of urban and rural residents,but also damage the peasant households' interests,affect the continued increase of income of farmers,and even have a great impact on the stable operation of China's prices.Therefore,on the basis of the development of traditional agricultural insurance,the agricultural target price insurance has gradually been recognized by people and has become the main theme of the development of agricultural insurance in China.By the end of 2016,the total planting area of vegetables and edible fungi in Guizhou Province was 122,400 hectares,and the total output was 2,634,700 tons.Among them,in Kaiyang County,by the end of 2016,the vegetable planting area is expected to reach 330,000 mu and the total vegetable output will reach 450,000 tons.Kaiyang County is located in the hinterland of central Yunnan and is a typical agricultural vegetable planting county in many counties in Guiyang City.It is also the vegetable planting and protection base determined by Guiyang Agriculture Commission.The income from vegetable cultivation is an important part of the income of farmers in Kaiyang County.Once the price of vegetables has skyrocketedand plummeted,most small farmers and farmers participating in vegetable planting bases have weaker ability to resist price fluctuations.Therefore,growers need a kind of Reasonable ways to prevent market price risks.The pilot promotion of vegetable price insurance can enable farmers to have the choice of solving market risks.The operation of vegetable price insurance is to determine a target price,and then carry out insurance compensation based on the price of vegetable off-farm prices below the market price.Therefore,the pilot implementation of vegetable price insurance can stabilize farmers' income,stabilize prices,stabilize production,and promote industrial development.The successful promotion of agricultural price insurance in the new situation has enabled the majority of farmers to benefit,and farmers' demand for a steady increase in demand.Under this circumstance,the majority of scholars have turned their attention to the field of agricultural price insurance research.However,as most emerging fields appear,the focus of scholars' attention is often on the feasibility,evaluation of implementation effects,and elaboration of the development process.Some scholars have elaborated agricultural price insurance from the perspective of farmers from a micro perspective,and especially research on a single insurance product has become even rarer.Therefore,this study takes growers as research objects to further explore the development of vegetable price insurance in Guiyang City and try to find out.The specific factors that affect the participation of growers in vegetable price insurance are important for promoting the price of vegetables in Guiyang City as soon as possible,stabilizing the income of farmers in Guiyang City,and ensuring the adequate supply of vegetables.First of all,this article summarizes the research background and domestic and foreign research overview,and draws the relevant purpose,significance,etc.of this study.Secondly,according to the concept of vegetable price insurance and the related theories,this paper briefly analyzes the status quo and problems of vegetable industry in Guiyang and Kaiyang,and the necessity of the development of vegetable price insurance.Thirdly,field surveys were used to obtain survey data,and Logistic models were constructed to analyze the factors affecting farmers' willingness to purchase vegetable price insurance and the impact factors.The main conclusions of this study are as follows:(1)The overall development of vegetable price insurance is at a pilot stage.Farmers have a low level of understanding and the overall participation rate is nothigh.(2)Risk preferences of growers,promotion of vegetable price insurance,education level of vegetable growers,impact of natural disasters on vegetables,participation of surrounding growers,and understanding of growers' insurance on vegetable price insurance Has a significant positive relationship.Finally,based on the findings from field research and empirical analysis,this study proposes corresponding policy recommendations from the following three aspects: The government should select a suitable premium sharing system and provide financial compensation for growers and insurance companies to reduce the burden on farmers.,Stabilize the income of farmers;increase policy propaganda,so that more farmers understand the price of vegetables and its role in insurance,so that farmers better participate in vegetable price insurance to achieve the purpose of avoiding market risks;from the insurance companies and farmers,To develop more adaptable vegetable price insurance products and corresponding follow-up talents technical support,with the increase of farmers' insurance awareness to meet the various realistic and potential needs of the farmers,to protect the income of farmers,stabilize vegetable prices and supply It has very important practical significance. |
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