Study On The Willingness Of Farmers’ Demand For Policy Planting Insurance And It’s Influencing Factors In Ning’an

In recent years,Chinese overall comprehensive national strength continues to improve,the far-reaching impact on Chinese global attention.Although the level of agricultural national economy has made rapid progress,rural economic income is still dominant.Although China cannot break away from the title of agricultural rich country,rural economy is still the most key basic pillar industry of Chinese development,and the prosperous development of rural areas will be an important cornerstone of Chinese economic development.However,in the process of the development of agricultural products in China,there is no doubt that it will be affected by various natural weather reasons.The occurrence of natural disasters will cause huge economic losses to agricultural production and farmers’ operating income,and will seriously harm Chinese economic development and social stability.Therefore,it is necessary to vigorously develop modern agricultural products insurance,in order to improve the disaster resistance of agricultural products in China,to maintain the safety of agricultural products and food security in China,to expand the vital interests of farmers,and to improve the support and security system of modern agricultural products in China.Policy system of crop insurance,is a kind of important government support for policies and alleviate the important measures for "three rural issues",on the one hand is signed jointly by the farmers and the insurance of insurance contract,makes the farmers to transfer all the risks in the process of production to the insurance company,so as to effectively reduce the risk of farmers planting,improve the rural agricultural production structure adjustment Level and promote rural development;In addition,the local government also adopted financial subsidies,tax preferences and other policies to guide and help,so as to reduce the operating risks of local insurance companies.However,due to the low density and depth of development guarantee for grain planting industry in Ning ’an city,the effective demand for national policy guarantee for grain planting industry is obviously not enough,farmers’ desire for insurance is not active,their risk awareness is not high,and the coverage of grain planting insurance is limited.So,in the shortage of current rural agricultural insurance demand situation,this article is based on the rural urban residents to subsidize insurance demand intention and influence factors of the empirical research,to further develop and improve the rural policy Ning ’an crop insurance,further enhance urban rural insurance coverage,has great realistic significance.Is studied in this paper,domestic and foreign policy crop insurance business related literature,in-depth to the current management situation of crop insurance in Ning ’an carried out research and analysis,and as a basis,through practical research mainly analyzes the effect on farmers willingness to buy crop insurance in demand as well as the important influence factors,and aiming at Ning ’an policy The main defects of planting insurance operation are proposed for government departments and insurance industry respectively,which can be used for reference by government departments and insurance industry,and solutions and references are put forward for the improvement of the current policy-based planting insurance operation of Ning ’an city and other local governments.