| For agricultural insurance,it plays an important role in dispersing the risks of agricultural operation,reducing agricultural losses and strengthening the comprehensive agricultural production capacity.However,so far,compared with developed countries,China's agricultural insurance business started late and its business development is relatively backward,which mainly reflects in the low willingness of farmers to participate in insurance,as well as the limited coverage,etc.,at the same time,the demand for agricultural insurance is seriously insufficient.Compared with the traditional small farmers,the family farm has a longer investment cycle,a larger investment scale,and a stronger desire to pass on risks through agricultural insurance.They have become an important force to promote the development of agricultural insurance.Therefore,in the in-depth analysis of the development of agricultural insurance,we can select the family farm as the research object,focuses on exploring the family farm's attitude and views on agricultural insurance,and deeply analyzes the internal reasons affecting the demand for agricultural insurance,so as to not only effectively promote the long-term and stable development of agricultural insurance,but also effectively ensure the effective supply of agricultural products,which is of great practical significance to stabilize farmers' income and improve their quality of life.Based on the data obtained from the questionnaire survey,it uses the binary logistic regression model to empirically analyze the farmers' desire for agricultural insurance demand and its influencing factors in this paper.The results are as follows:(1)Suggestions for promoting the development of policy agricultural insurance in family farms in Ningyang county?Family farms in Ningyang County have changed their concept of policy-based agricultural insurance,and their desire to participate in it has been gradually strengthened.The social atmosphere for policy-based agricultural insurance has become more intense.However,some family farms do not know enough about policy-based agricultural insurance and are unwilling to buy it.Therefore,measures should be taken to improve their enthusiasm.(2)Factors influencing the purchase of policy agricultural insurance in family farms in Ningyang.The factors such as degree of education,family farmers' understanding ofpolicy-based agricultural insurance,the importance of policy-based agricultural insurance,the complexity of policy-based agricultural insurance claims settlement procedures,the means of verification of disaster areas,and the attitude of insurance companies to service,government policy-based agricultural insurance propaganda,compensation amount and so on have a significant impact on family farm purchasing policy-based agricultural insurance.However,the degree of influence varies with different variables,the degree of influence is arranged as follows: amount of indemnity greater than the complexity of policy-based agricultural insurance claims settlement procedures,the importance cognition of policy-based agricultural insurance greater than the propaganda intensity of government policy-based agricultural insurance,the education degree greater thanthe understanding degree of family farmer to policy-based agricultural insurance,the means of verification of disaster area greater than the attitude of insurance companies to service.(3)Purchase intention of family farm policy agricultural insurance in Ningyang.Co untermeasures and suggestions.According to the influencing factors,it puts forward th e following countermeasures and suggestions in this paper,such as strengthening propa ganda,actively making guide;simplifying the policy-based agricultural insurance claim s procedures;perfecting the means of verification of the affected areas of family farm s;improving the service attitude of insurance companies;reasonably determining claim s standards;innovating agricultural insurance products. |
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