Research On Demand For Pomegranate Price Index Insurance In Xingyang City

Agricultural insurance is an important means to implement the Strategy of Rural Revitalization and better solve the problems of agriculture,rural areas and farmers.In order to resolve market risks and maintain market stability,it is a new way to develop price index insurance step by step.Pomegranate is a featured agricultural product in Henan Province.With the expansion of planting scale and the increase of yield,the price of pomegranate fluctuated,which brought certain impact to local growers,seriously affected their income and production enthusiasm,and also affected the stable development of local agriculture.In order to change this situation and further promote the healthy and sustainable development of pomegranate industry,Pomegranate Price Index Insurance came into being.However,in the process of development,farmers' demand for Pomegranate Price Index Insurance varies greatly.This paper analyzes the main factors affecting farmers' demand for Pomegranate Price Index Insurance,and puts forward corresponding suggestions and countermeasures for the comprehensive implementation of this insurance,which can help insurance companies to carry out business reasonably and pertinently,enhance farmers' confidence and demand for Pomegranate Price Index Insurance,and thus effectively promote the healthy and reasonable development of Pomegranate Price Index Insurance.At the same time,it also helps to promote the development of innovative agricultural insurance products,further promote the improvement of agricultural price control mechanism,guarantee the price stability of pomegranate,create better economic benefits for the pomegranate industry in Henan Province,and provide experience for the promotion of agricultural price index insurance in more areas.On the basis of fully understanding and analyzing the development of Heyin pomegranate industry in Xingyang City,the price risks faced,and the relevant situation of Pomegranate Price Index Insurance,taking pomegranate growers as the research object,this paper obtained data through questionnaire survey,and conducted descriptive statistical analysis on the survey results,including the correlation analysisof related factors and the demand for Pomegranate Price Index Insurance.At the same time,in order to determine which factors have an impact on the demand for Pomegranate Price Index Insurance as well as the direction and degree of the impact,this paper used Binary Logistic Regression Model for empirical analysis.The results showed that pomegranate planting area,pomegranate income ratio,whether to join the pomegranate planting base,pomegranate price fluctuations,effect evaluation of Pomegranate Price Index Insurance and satisfaction with the insurance company's service had significant influence on the demand of traditional smallholders for Pomegranate Price Index Insurance.Five factors,including pomegranate price fluctuations,understanding and effect evaluation of Pomegranate Price Index Insurance,awareness of premium subsidy policies and satisfaction with the insurance company's service,have a significant influence on the demand for Pomegranate Price Index Insurance of new agricultural operators.In order to increase the demand for Pomegranate Price Index Insurance,it is suggested to effectively optimize insurance services,reasonably use the communication mechanism to drive willingness to insure,accelerate the training of professional agricultural insurance technical talents,and actively innovate the differentiated premium subsidy mechanism.