Research On The Purchase Willingness Of Pepper Farmers’ Agricultural Insurance And Its Influencing Factors In Yanqi Autonomous County Of Xinjiang

Under the background of China’s small-scale farmers’ management,farmers face various agricultural risks in agricultural production.Because farmers lack the ability to resist agricultural risks,they cannot protect their own interests when faced with agricultural risks,and the agricultural economy will suffer huge damage,while agriculture insurance has the effect of avoiding risks,ensuring income and so on.Yanqi autonomous county is one of the areas where Xinjiang pigmented peppers are cultivated and planted.In the process of pepper planting,it faces agricultural risks such as wind,frost,pests and diseases.However,due to the short-term development of agricultural insurance and the lack of publicity,the development of agricultural insurance in Yanqi autonomous county is not rapid,and pepper farmers mainly bear agricultural losses.Therefore,this paper takes the pepper farmers in the Yanqi autonomous county of Xinjiang as the research object,studies the willingness of the pepper farmers to purchase agricultural insurance and its influencing factors,understands the attitude and needs of pepper farmers on agricultural insurance,clarifies the key influencing factors,and proposes corresponding countermeasures to improve the purchase intention of the pepper farmers in Yanqi autonomous county,so as to better promote the development of agricultural insurance in Yanqi autonomous county,and further ensure the income of pepper farmers.This paper uses questionnaires,quantitative analysis and other methods to carry out research.The research contents are as follows: First,through interviews with the Agricultural Bureau of Yanqi autonomous county,to understand the current status of pepper production in Yanqi autonomous county,and to conduct an interview with four insurance companies to understand the development status and problems of agricultural insurance in Yanqi autonomous county.Secondly,a questionnaire survey was conducted on 200 pepper farmers in Yanqi autonomous county of Xinjiang to investigate the willingness of pepper farmers to purchase agricultural insurance and its influencing factors.Thirdly,based on Von Neuman-Morgenstern utility theory and behavioral decision theory,the Logistic model is used to empirically analyze the influencing factors of pepper farmers’ willingness to purchase agricultural insurance.The results of the study showed that 40% of pepper farmers had a willingness to purchase agricultural insurance,and pepper farmers were less willing to purchase agricultural insurance.The educational level of pepper farmers,the area of pepper planting,the degree of understanding of agricultural insurance,the number of ways to understand agricultural insurance,government propaganda,insurance company propaganda and government subsidy policies have a significant positive impact on pepper farmers’ willingness to purchase agricultural insurance;the age of planting pepper has a significant negative impact on the purchase intention of pepper farmers’ agricultural insurance;gender,age,proportion of pepper planting income to total household income,propaganda and premium subsidies of insured pepper farmers are expected the purchase intention of pepper farmers’ agricultural insurance is not significant.Through the above analysis and research,this paper proposes the following countermeasures: First,increasing publicity for agricultural insurance;second,expanding publicity channels for agricultural insurance;third,local government provides relevant subsidies;fourth,cultivating agricultural insurance talents and improving service quality.