Research On The Regional Difference Of Rural Household Economy Affecting Agricultural Insurance Demand

Under the action of unbalanced development strategy and market economy adopted in the early stage of reform and opening up,the factors of production in the whole country accelerate the agglomeration to the eastern provinces,resulting in the unbalanced economic development between different regions.Only by implementing the regional development strategy of insurance and landing,can the agricultural insurance system of our country protect all agricultural practitioners to the greatest extent and serve the revitalization of the countryside to the greatest extent,which is of practical significance.Based on consumption theory and agricultural risk management theory,this paper makes a detailed theoretical analysis of how economic growth affects the demand of agricultural insurance,and establishes a multiple linear regression model for agricultural insurance to calculate the national average trend.Unlike the existing literature,this paper focus on the influence of rural family economic factors on agricultural insurance demand in a single region.Based on the theory of coordinated development of regional economy,this paper establishes a fixed effect panel regression model to reveal the regional differences of rural family economy affecting agricultural insurance demand,and analyzes the internal reasons.In summary,This paper starts with the background and meaning of research,and briefly comments on the research of this paper.Content,framework,innovation and deficiency,this paper summarizes and reviews the existing research on regional economic development and agricultural insurance demand by scholars at home and abroad.Then,starting with the theory of coordinated development of regional economy,consumption theory and agricultural risk management theory,this paper analyzes in detail the direct and indirect mechanisms of economic development on agricultural insurance demand.On this basis,taking the per capita disposable income and per capita consumption expenditure of rural residents as the measurement index of rural household economy,a multiple linear regression model is established to verify the overall impact of the national rural household economic level on agricultural insurance demand,and the agricultural income and non-agricultural income are replaced by the model,and the different income sources are analyzed.The role of agricultural insurance demand is different.In order to study the regional differences of rural family economic growth affecting agricultural insurance demand,this paper establishes a fixed effect panel regression model of 31 provinces and cities in China,and further discusses the reasons for regional differences from the differences of income structure.According to the regional difference model of rural household economy affecting agricultural insurance demand,the empirical study shows that:(1)the economic level of rural households plays a positive role in promoting the purchase demand of agricultural insurance.For the growth of disposable income per unit,the national agricultural insurancepremium increased at an average rate of 0.012.The promoting effect of agricultural income on agricultural insurance demand is more obvious than that of non-agricultural income.(2)the premium increase effect of income growth in the western region is higher than that in the central,northeast and eastern provinces.It is further verified that the increase of income plays a more important role in promoting the demand for agricultural insurance in the western,central and northeastern provinces,where agricultural income accounts for a high proportion.Explain the economic development of rural families in different areas There is no inevitable positive correlation between level and agricultural insurance demand.In provinces with a high proportion of agricultural income,economic growth is significantly positively correlated with agricultural insurance demand.Therefore,the development strategy of agricultural insurance should be formulated according to different regions to promote the rapid and balanced development of agricultural insurance among provincial regions.