Research On The Impact Of Farmers' Catastrophe Risk Perception On Insurance Demand

With the frequent occurrence of agricultural catastrophe,bring huge economic losses and casualties,Agricultural catastrophe insurance plays an important role in spreading the risk of agricultural catastrophe,but the shortage of supply and demand makes it ineffective.The issue of how to raise the farmers' insurance awareness,increase the demand for agricultural catastrophe insurance,and rationally disperse agricultural catastrophe risk becomes a very important issue.Research on insurance demand in the past was mostly focused on the perspective of economics,Objective through farmer's purchasing power,catastrophe insurance product price and other economic reasons for analysis,while ignoring the subjective demands of farmers' psychosocial aspects.Therefore,based on extensive reading of relevant literatures and theories,this paper establishes a social and psychological perspective of farmer catastrophe risk perception evaluation system,the data obtained from the questionnaire were used for empirical analysis,at the same time using the entropy weight method to evaluate index weight,T test and one-way ANOVA test were used to analyze the differences among The difference of demographic characteristics in catastrophe risk perception,Finally through the Structural Equation Modeling to analyze the impact of various indexes of farmer catastrophe risk perception system on catastrophe insurance demand from the perspective of social psychology and discuss of the results.The results show that,There is a significant negative correlation between catastrophe insurance demand and two of these indicators,namely,the trust and value commitment of farmers,and the risk judgment under cross-cultural differences;As well as there is a significant positive correlation between the demand for catastrophe insurance and the five indicators,which are risk cognition,loss risk preference,disaster experience,social norms and responsibility attribution of farmers.In this paper,according to the results of empirical research and combining the farmers daily production and life,hope to put forward some policy Suggestions to promote and develop the agricultural catastrophe insurance,contribute to perfect the system of catastrophe insurance in our country.