Climate Disaster,Agricultural Insurance And Farmers’ Income

As the problem of global warming becomes more and more serious,the problem of global warming has risen to a worldwide problem.However,the current trend of rising global temperature is still continuing,and the phenomenon of melting glaciers and rising sea levels shows no signs of weakening.At the same time,there is increasing evidence that the frequent occurrence of global climate disasters is related to climate change.Climate disasters will not only cause serious harm to natural ecosystems,people’s lives and property,but also bring serious uncertainty to a country’s economic development and enterprise production and operation.At the macro level,climate disasters will have a serious negative impact on the national economy;at the meso level,climate disasters will affect the average efficiency of the entire industry,and the average industry profits in areas with frequent climate disasters are lower than those in which climate disasters have no increasing trend.At the micro level,climate disasters will affect the production and operation activities of agricultural producers.With the increasing global warming,the number of high-temperature weather in a year increases and the land becomes drier and drier.The harsh environment with high temperature and little rainfall will have a serious impact on agricultural production.Agricultural economy is the most significant manifestation of the impact of climate disasters on society and economy.Climate disasters are closely related to agricultural risks.With the increasingly severe climate change,the problem of global warming is becoming more and more serious,resulting in frequent climate disasters and the probability of agricultural risks.While agricultural insurance is one of the most important risk management tools for microeconomic entities to deal with climate disasters,this paper analyzes the role of agricultural insurance in coping with climate disasters from the perspective of microeconomic entities,and empirically tests the role of agricultural insurance in coping with climate disasters.The role of climate disasters,and put forward some feasible suggestions.This paper firstly introduces the research background and research significance.On the basis of summarizing domestic and foreign literatures on climate change and agricultural insurance impacts,it recognizes the seriousness of risks brought by climate change and confirms the basic premise of climate change.At the same time,considering the vulnerability of agriculture to climate change,taking farmers’ income as the starting point,the role of agricultural insurance in coping with climate disasters is analyzed,and the impact mechanism of climate disasters on farmers’ income and the adjustment effect of agricultural insurance are analyzed combined with relevant economic theories.mechanism.Secondly,it introduces the relevant situation of climate change,agricultural insurance and farmers’ income,and specifically euounds the general characteristics and trends of climate change in my country,the harm of climate disasters to agriculture,the development of agricultural insurance and farmers’ income.Then,through the empirical analysis of the role of agricultural insurance in coping with climate disasters,the correlation analysis of each relevant variable was carried out,and the model of this paper was selected as a fixed effect model through F test and Hausman test.In order to verify the reliability of the empirical results In this paper,the robustness of the research conclusions of this paper is tested by changing the explanatory variables and moderator variables,replacing the model,grouping regression,and using the two-stage least squares method to solve the model endogeneity problem.Negative and significant did not change,which confirmed the reliability of the conclusions of this study.The conclusions drawn from the regression results of empirical research can be found that climate disasters have a significant negative impact on farmers’ income,and agricultural insurance can suppress the negative impact of climate disasters on farmers’ income before and after disasters.Finally,according to the research conclusions of this paper,some policy suggestions are put forward.