Study On Regional Differentiation Of Agricultural Insurance Development In Shandong Province

Industry is the foundation of China's national economy,and agricultural risks exist throughout agricultural production and management activities,and are relatively complex and changeable.Agricultural insurance is one of the few effective agricultural risk management methods pointed out by the Central Government Document No.1 for many years.It plays an irreplaceable role in transferring agricultural risks to farmers and stabilizing farmers' income.Therefore,focusing on the status and problems of agricultural insurance development,and putting forward corresponding policy recommendations based on the current problems,will help agricultural insurance maintain stable and sustainable development.This article will take Shandong Province's agricultural insurance as the main research object,and for the purpose of coordinating the balanced development of agricultural insurance,16 prefecture-level cities in Shandong Province will be selected as the research scope to study the current level of agricultural insurance development in each city.Based on the panel data of various cities in Shandong Province from 2010 to 2018,using statistical analysis and econometric analysis,the focus is on three aspects: the current status of regional differentiation,factors influencing agricultural insurance premium income in Shandong Province,and the potential of agricultural insurance development in various cities.conduct the empirical research.The specific methods and research conclusions are as follows:First of all,this paper makes reference to the existing research on the definition of the level of agricultural insurance development,and demonstrates the current status of agricultural insurance development in Shandong Province.Second,this article is based on the four evaluation indicators selected to measure the level of agricultural insurance development,targeting 16 cities in Shandong Province.Descriptive statistical analysis was carried out,and the current status of regional differentiation of agricultural insurance development in Shandong Province was pointed out.Again,this paper uses the entropy method,TOPSIS and other methods to construct a comprehensive evaluation system of agricultural insurance development level in Shandong Province,combined with cluster analysis.As a result,the regional division was made according to the comprehensive score of each region.Then the premium income was selected as an indicator to measure the development of agricultural insurance,and the regression analysis method was used to study the main influencing factors affecting agricultural insurance premium income in Shandong Province.The influence was then combined with factor analysis to obtain the impact.Potential factors for the development of agricultural insurance in various cities;Finally,based on the development of each region,the research inspiration for improving the status of regional differentiation of agricultural insurance is obtained.The research results show that according to the analysis of the total indicators,relative indicators and growth indicators,the regional differentiation of agricultural insurance development in Shandong Province is more obvious.The empirical results show that the development of agricultural insurance in various cities in Shandong Province is affected by demand factors(value added of agriculture,forestry,animal husbandry and fisheries,per capita net income of rural households,pigs,cattle and sheep),and supply factors(per capita agricultural insurance compensation,per capita agriculture,forestry,and water affairs).Expenditure,property insurance depth).Finally,the article combines the influencing factors obtained from the regression and the potential factors that affect the development of agricultural insurance,and obtains the enlightenment of research: adapting to local conditions,coordinating and promoting the balanced development of agricultural insurance in various cities in Shandong Province;targeting agricultural big cities,using regional advantages to improve the level of local agricultural insurance development;For the cities with lower level of development,adopt the corresponding policy tilt;improve the determination of agricultural insurance premium rates and promote the innovation of agricultural insurance products.