Study On The Factors Affecting The Purchase Willingness Of Agricultural Insurance In Yanbian Prefecture

China is a big agricultural country and one of the earliest regions in the world.It is also the largest developing country in the world.Agriculture is the pillar industry of national economic development.The rise and fall of its development is directly related to the eating problem of 1.4 billion people.It is directly related to the strategic process of building a well-off society in an all-round way and opening up a modern state.Agriculture is also a weak industry.China has a vast territory,and agricultural development is constrained by natural conditions.The differences in latitude and longitude and the complex changes in surface morphology have led to uneven water and heat conditions in various regions,coupled with the unreasonable use of limited agricultural resources and the disparity in regional economic development.The frequent occurrence of natural disasters such as droughts and floods and environmental pollution have constrained the development of agriculture.At present,the effective avoidance of agricultural risks,the protection of farmers 'interests and the realization of sustainable development of agriculture is a problem that can not be ignored in modern agricultural construction in China.Agricultural insurance,as an important means of avoiding non-systemic risks in agriculture,is one of the three pillars of modern agricultural development under market economy conditions(agricultural science and technology,agricultural finance and agricultural insurance),and is one of the "green box" policies of the WTO that allows countries to support agriculture.It is an important measure that the state supports to protect the stable development of agriculture.This study is based on the perspective of farmers,through the retrieval of domestic and foreign literature,combined with the current development of agricultural insurance and the regional characteristics of Yanbian,using interviews and questionnaires to understand the status quo of agricultural insurance development in the state,taking crop insurance as an example to explore the impact of farmers purchasing agriculture.Insurance factor.At the same time,under the premise of agricultural insurance related concepts and some theoretical foundations,the nature of agricultural insurance and the actual situation of the region are integrated,and the main factors affecting the purchase intention of farmers are analyzed from the perspective of society and farmers.Through questionnaires and field interviews,we can understand the attitudes and cognitions of farmers at the current stage on agricultural insurance,and then use descriptive statistical analysis and Tobit analysis to find out the factors such as farmer's cultivated land area,household income,government premium subsidy ratio and farmer's premium amount.There is a significant impact on the willingness to purchase agricultural insurance.Finally,this paper proposes relevant constructive opinions from the perspectives of the government,insurance companies and farmers themselves to promote the rational,effective and sustainable development of agricultural insurance in Yanbian Prefecture.