Research On The Influencing Factors Of Agricultural Insurance Demand Of Family Farms

In recent years,new agricultural operators such as family farms have begun to play an important role in China's agricultural production.As an important group of agricultural economic development in Shandong province,family farms are the trend of ensuring food security and realizing agricultural modernization.To study the demand of family farm for agricultural insurance is of great significance to the development of agricultural economy and the new agricultural operation of family farm in Shandong province.Therefore,this paper conducted an empirical study on 287 questionnaires of demonstration family farms in Shandong province.Based on the reviewing and combing the our country present stage farmers intend to factors influencing the demand for agricultural insurance,related to agricultural insurance demand theory,the formation mechanism of the family farm,on the basis of a survey data integration of Shandong provincial demonstration family farm analysis,USES binary logistic model of regression to analyze the provincial demonstrative family farm factors that influence the demand for agricultural insurance intention of using the ISM model to analyze the relevant relationship between various influencing factors and hierarchical structure.The results showed that the farmer's gender,education level,total farm land area,average annual farm income,family farm operating mode,degree of disaster over the years,expectation of family farm operating years,and whether the farmer received government subsidies had obvious influence on the demand for agricultural insurance of family farm,but age had no significant influence.The expected operating years of family farm are the direct influencing factors on the surface,the average annual income of family farm and the total land area of farm operation are the indirect influencing factors on the middle level,and whether the family farm gets government subsidies or not is the deep-rooted influencing factor.Based on the analysis of the results,reasonable Suggestions are put forward to improve farmers' understanding of insurance,encourage farmers to actively join cooperatives,promote the innovation of agricultural insurance products,and make the insurance industry better guarantee the development of agriculture.