Study On The Willingness And Influencing Factors Of Wheat Growers To Participate In Policy Agricultural Insurance In Luoyang

China is a large agricultural country.In recent years,with the rapid development of economy,China’s comprehensive national strength is rising and people’s living standards are improving day by day.However,the agricultural economy still accounts for a large proportion in the economic structure.Agriculture is an important basic industry.The three rural issues are also the key problems to be solved in the process of China’s economic development.China is a large agricultural country,but it is still not an agricultural power.In the process of agricultural production and management,natural disasters have always been the primary problem that has brought huge losses to farmers and agricultural production.If you want to change from a large agricultural country to an agricultural power,it is necessary to get rid of the state of "relying on nature" of traditional agriculture.In this context,only by vigorously developing agricultural insurance,implementing policy agricultural insurance,providing guarantee for farmers’ agricultural production and operation activities,improving risk resistance and helping farmers resist and prevent disasters can we ensure national food security to a greater extent,ensure high-quality agricultural development,increase farmers’ production and income,and further help the implementation of the Rural Revitalization Strategy.This paper takes Luoyang policy agricultural insurance as the research subject and Luoyang wheat growers as the main research object.Firstly,through combing and summarizing a large number of literature at home and abroad,this paper forms the theoretical framework of the full text,and analyzes the development status of Luoyang policy agricultural insurance through field visits,research and consulting government public materials,It is concluded that the current development of policy agricultural insurance in Luoyang is stable and good,but there are still some problems hindering the development,such as insufficient funds,lack of government guidance,improper organization management,weak consumer awareness and so on.On this basis,using the maturity scale of previous scholars for reference,this paper designs the questionnaire,investigates and issues the questionnaire on the spot,and measures the participation intention of wheat growers in Luoyang.Through the sorting and analysis of the collected questionnaire data,450 valid questionnaires are collected,and 13 variables are selected as influencing factors to put forward the basic assumptions of this paper.We choose to build a binary logistic model and make an empirical analysis based on the questionnaire data.The results show that the age of wheat growers has a negative impact on the willingness to participate in insurance,the education level of wheat growers,the annual family income,agricultural production,production and operation scale,the awareness of policy agricultural insurance,the care of government subsidies Whether they have accepted the claim settlement of policy agricultural insurance and whether they think that policy agricultural insurance can meet the insurance demand have a positive impact on the willingness to participate in the insurance.According to the results of empirical analysis,combined with the actual situation of Luoyang,this paper puts forward countermeasures and suggestions to increase the central financial subsidies,strengthen the role of government functions,strengthen the service capacity construction of insurance institutions and strengthen consumer education.