Anji County Influencing Factors Of Policy-based Agricultural Insurance Purchased By Farmers

As an effective risk management mechanism in the process of agricultural modernization,agricultural insurance has been paid more and more attention.Anji County policy-based agricultural insurance has been implemented since 2008.With the development of nearly 10 years,the number of insurance products has been increasing,the degree of government subsidies has been increasing,and the benefits of farmers have become wider and wider.To some extent,the stable development of agriculture has been guaranteed.However,the coverage and business growth of agricultural policy insurance is not satisfactory,the enthusiasm of ordinary agricultural retail investors is not high,and the development of agricultural insurance is slow.To study the various factors affecting farmers' participation in insurance,and put forward some suggestions on how to solve the problems,we can constantly enhance the enthusiasm of farmers' participation in insurance,so as to promote the rapid and healthy development of agricultural insurance,and ultimately better prevent and defuse the risks in agricultural production.First of all,this paper defines the concept of policy oriented agricultural insurance.Through the literature reading and inquiry,the research basis of agricultural insurance attributes,agricultural insurance model and so on is understood and combed.At the same time,collected information from the Agricultural Affairs Office,Development and Reform Commission,Agricultural Bureau,insurance companies and other units in Anji County,summarized the development status of agricultural and agricultural insurance in Anji County,business organization model,premium subsidies,insurance clauses and other content.Secondly,the willingness of vegetable growers and pig farmers to participate in agricultural insurance in Anji County was studied by means of interviews and questionnaires.This paper makes statistical analysis on the influence of farmers' characteristics,insurance company policies and government subsidies on their willingness to participate in insurance.Thirdly,agricultural insurance has quasi-public attributes,so it is difficult for the government or insurance companies to make it develop healthily and steadily.The author holds that the optimal development path should be under the premise of deep cooperation between the government and insurance companies,and both sides should exert joint efforts at the macro-level of planning and the micro-level of market to further stimulate the vitality of the agricultural insurance market,effectively allocate resources for the factors affecting farmers' participation in insurance,and achieve maximum benefits.Finally,in view of the problems existing in agricultural insurance,such as low enthusiasm of farmers to participate,difficult payment of claims,difficult statistical damage determination,high insurance threshold and low level of security,the following countermeasures and suggestions are put forward: farmers should improve their cultural level,actively understand the relevant information of agricultural insurance,improve their awareness of risk prevention and level of scale development;The government should increase farmers' willingness to participate in insurance through appropriate subsidies,stimulate the operation enthusiasm of insurance companies,and strengthen industry supervision;insurance companies should constantly enrich insurance products,establish multi-gradient access threshold,optimize insurance services,and constantly meet the needs of farmers.