Study On The Influencing Factors Of Agricultural Insurance Demand Of New Agricultural Management Subject

The new agricultural management subject is the main force to promote agricultural modernization,and it plays an important role in optimizing the agricultural industrial structure,improving the quality of agricultural products and promoting standardized management.However,as the scale of agricultural production expands,it will suffer more risks and face more complex risks.As an effective tool for risk management and loss compensation,agricultural insurance should also innovate and develop in time in the face of the changes of agricultural operators.The significance of this paper is to find out the risk preference and insurance demand of new agricultural operators and make agricultural insurance better serve new agricultural operators.This paper based on the background of the development of agricultural production scale,from the scale operation and the coordinated development of agricultural insurance scale operation,the main body of agricultural insurance demand and way of government to promote agricultural insurance demand and new agricultural management main agricultural products in four aspects,combing the research of agricultural insurance situation at home and abroad are summarized.Secondly,by using the theory of agricultural risk management,the theory of agricultural insurance demand,the theory of scale economy,the theory of quasi-public goods of agricultural insurance and the theory of farmers' economic cooperation organization,the agricultural insurance demand of new agricultural operators is systematically and deeply analyzed.Again through the new type of agricultural management main body and analyzes the current situation of the development of agricultural insurance,found that the principal part of the new type of agricultural management in recent years the development of the overall stability,and although agricultural insurance has been in the optimization of insurance products,innovation and development,but there are incomplete subsidy policy,safeguard level is low,risk safeguard scope extensive inefficient problems such as limited,service process,reflects the agricultural insurance service for new type of agricultural management main body lack of effective supply.Then in 168 a new type of agricultural management main body and 409 traditional small peasant household questionnaire survey,field visits as well as to the insurance company,from the perspective of the comparison with traditional small farmers,depicting the agricultural insurance demand characteristics of the new type of agricultural management main body,found that the principal part of the new type of agricultural management on dependence of agricultural insurance and guarantee level of agricultural insurance,the premium payment level and emerging insurance products have higher and more diversified needs.Then uses Logit intending analysis model to analyze the factors influencing the new type of agricultural management main body of agricultural insurance,and affecting the new type of agricultural management main body and the traditional factors of small farmers insurance difference analysis,the results show that the level of education,agricultural production,agricultural subject fixed investment,whether to expand the scale of planting in recent years,ever buy agricultural insurance and insurance mode 5 variables significantly influence on new agricultural operators to buy agricultural insurance.Based on the above research,it is concluded that the single subsidy mechanism does not meet the requirement of new type of agricultural management main body,the new type of agricultural management main body understanding of insurance products is not enough,the current agricultural insurance level can not meet the demand of the new agricultural operators to guarantee,insurance company accept insurance claims link program trivial service of research conclusion;And according to the conclusion from the system,products,technology,service and other four aspects of multi-level,comprehensive countermeasures and Suggestions,so as to promote the agricultural insurance service upgrade,meet the needs of new agricultural business.The innovation points of this paper are:(1)The research perspective is novel.From the perspective of comparison with traditional small farmers,this paper studies the demand of new agricultural operators for agricultural insurance,and analyzes the demand differences and demand influencing factors of two types of different operators for agricultural insurance.(2)In terms of research methods,this paper for the first time included whether to expand the scale of planting and insurance guarantee mode in recent years into the index system.Logit econometric analysis model combined with comparative analysis method was used to analyze the differences between the factors affecting the new subjects and small farmers to make agricultural insurance purchase decisions.