Analysis On The Willingness And Influencing Factors Of Agricultural Insurance Demand In Lin'an Farmers

As an economic compensation system for transferring risks and sharing losses,agricultural insurance is of great significance for improving agricultural disaster prevention and mitigation capacity,promoting farmers' income,and maintaining national food security.For quite a long time,many experts at home and abroad have conducted a comprehensive study on agricultural insurance.Foreign research on agricultural insurance is mainly carried out from the perspective of adverse selection and moral hazard.The research is relatively mature and comprehensive.China's research mainly focuses on the development model of agricultural insurance and the operational efficiency and welfare of agricultural insurance.The agricultural insurance development model has been greatly inspired by the rich models abroad.China's development of agricultural insurance started late,and it was only decided in 2004 to carry out policy-based agricultural insurance.After years of piloting,agricultural insurance has provided a “protective umbrella” for more farmers to increase their incomes,which has greatly reduced risks and effectively promoted agricultural development,farmers' income and rural stability.However,there is still a gap between our policy insurance and developed countries,and we still need to continue to study and improve.In order to understand the actual insured willingness of agricultural insurance subjects more accurately and reasonably,this paper selects the farmer households in Lin'an District to conduct on-the-spot investigation and visit in the form of questionnaires.The survey mainly covers 15 aspects such as education level,whether it is village cadre,proportion of agricultural income,scale of agricultural operation,understanding of channels,insurance experience,claims experience,and subsidy policy.According to the results of the survey,the data were summarized and Logistic regression analysis was used to summarize the willingness to insure into 0 and 1 results,and the significance test was carried out to find out the main influencing factors of farmers' willingness to insure.Through research,the main influencing factors of purchasing agricultural insurance are the education level of farmers,whether they participate in farmers' professional cooperatives,the proportion of agricultural income,the convenience of insurance process,and the past payment experience.Finally,based on the survey results,we put forward targeted suggestions for five significant factors.