Analysis Of Factors Affecting The Demands Of Agricultural Insurance Farmers In Heilongjiang Province

‘China's grain,China's rice bowl',the Chinese people's rice bowl should be firmly held in the hands of the Chinese people.Food security,as an important guarantee for the safey operation of the country,has a strategic position in the national economy.China attaches great importance to the development of agricultural insurance.In 2019,the Central Document No.1 proposed to improve the agricultural insurance policy in accordance with the requirements of ‘expanding,increasing,and upgrading'.In promoting China's modernization strategy,the weak nature of agricultural production has made agricultural production very vulnerable to natural disasters.Under this circumstance,it is of great significance to understand the influencing factors of farmer's agricultural insurance and to carry out propaganda and guidance according to local conditions,which is beneficial to the healthy development of agricultural insurance.As an important grain-producing area and commodity grain base in China,Heilongjiang Province has a certain exemplary role in studying the factors affecting the demand for agricultural insurance of farmers in Heilongjiang Province.From a global perspective,agricultural insurance development has mature experience to draw lessons from,but China's agricultural insurance development process is short,Due to the large differences in natural factors such as the environment and climate,the empirical analysis of agricultural insurance demand in Heilongjiang Province is less,and the existing research is more proceeded from the theoretical development of insurance development,premium subsidies and other macroscopic studies.Based on this,the article studies domestic and foreign literature and lays a solid theoretical foundation for the article.The article summarizes the current situation of agricultural economic development in Heilongjiang Province,and focuses on the operation mode of agricultural insurance in Heilongjiang Province.It mainly compares the differences between the agricultural insurance policies of local and urban areas in the province,and expounds the current situation and existing problems of agricultural insurance in Heilongjiang Province.It lays a solid foundation for the empirical analysis of the following.This paper uses the literature research method,questionnaire survey method and econometric method to study the influencing factors of the demand willingness of agricultural insurance for farmers in Heilongjiang Province.According to the field research,the article surveyed 612 households in 6 counties and cities of Heilongjiang Province,based on the purchase intention of farmers,using statistical methods for data analysis.This paper selects the “logistic” regression model and the “Probit” regression model to analyze the influencing factors of the willingness of farmers in Heilongjiang Province to participate inagricultural insurance.The specific conclusion of this study is that the farmers' willingness to insure is affected by the ten factors of the personality characteristics of farmers and the cognitive characteristics of agricultural insurance.The income level of farmers,the scale of cultivated land management,natural disasters,and the awareness of agricultural insurance Factors such as degree are positively correlated,and the age,education level,years of farming,government disaster relief and agricultural insurance promotion of agriculture have an unrelated effect.The government,insurance companies,and farmers have important coordination relationships,so specific recommendations are proposed for different levels.In the process of implementing agricultural insurance,farmers lack a correct understanding of agricultural insurance,and various factors have caused the implementation of agricultural insurance policies to be inadequate.The irregular operation of insurance companies is also an important factor restricting farmers' insurance.Through innovative farmers' publicity work on agricultural insurance,strengthening the support of agricultural insurance subsidies,and improving the business level of insurance companies,a mechanism model suitable for the healthy development of agricultural insurance in Heilongjiang Province can be gradually established,and farmers' effectiveness in agricultural insurance can be improved.Demand to ensure the safety of agricultural production and the safety of economic income.Finally,the safety of agricultural production and economic income can be safeguarded.