The Potato Insurance Demand Study In Dingxi City

It is one of the important production areas of potato production in Dingxi City,however,because of the bad natural conditions,the production and operation of the potato is greatly affected by natural disasters.The agricultural insurance is an important risk management tool,which is a kind of benefit-agriculture policy that the state is based on the interests of the farmers,in order to guarantee the production safety of the farmers and to reduce the losses of the farmers in the agricultural production and operation.In 2007,the agricultural insurance in Gansu has been developed rapidly,and in the joint efforts of the government,the insurance company and the agricultural production operator,the coverage area of the agricultural insurance is increasing,and the potato insurance Agricultural insurance plays an important role in potato planting,especially in Dingxi city of China.However,there are still many problems in the development of potato insurance in Dingxi City.The effective demand and effective supply of potato insurance are insufficient,farmers’ willingness to insure is not high,and farmers’ understanding of potato insurance is not enough.Insurance companies,as agricultural insurance suppliers,still have many problems in the process of underwriting,the leading role of government in agricultural insurance has not been better reflected,the laws and regulations on agricultural insurance still need to be improved.This paper starts from the point of view of farmers Through the field investigation,according to the actual survey data,the factors that affect the farmer’s potato insurance demand are analyzed,and the main factors that affect the farmer’s insurance are found out,which provides some theoretical reference for the better carrying out of the potato insurance in Dingxi.This paper is divided into six chapters.The first chapter describes the research background,purpose,significance,technical route,method,innovation and possible shortcomings of this paper.The second chapter expounds the relevant theories of potato insurance,such as the economic analysis of the insufficient supply of potato insurance,and the economic analysis of the shortage of demand and so on.The third chapter describes the development of potato industry in Dingxi City,the developmentof potato insurance,and some problems existing in the development of potato insurance in Dingxi City.In the fourth chapter,the results of the questionnaire survey are analyzed by descriptive statistics,and the factors that may affect the demand are analyzed.Statistical analysis is carried out,such as from the individual attributes of the farmer,the agricultural production and operation,and the farmer’s cognition of the potato insurance.The fifth chapter is to carry on the empirical analysis of the descriptive statistics of the fourth chapter,set up the model,then filter and test the selected variable,and then carry out the two-classification logistic regression on the selected variable,and put forward the corresponding suggestion according to the study result.