Research On The Influence Of Farmer’s Cultivated Scale On The Purchase Preference Of The Types Of Agricultural Insurance

Agricultural insurance is an important part of my country’s rural financial system.It has been implemented for more than ten years and has achieved remarkable results in China.The innovation of agricultural insurance types has continually enriched the agricultural insurance system based on traditional yield insurance,but there is still insufficient discussion on the types of farmers applicable to different types of agricultural insurance.It is of great significance to explore the purchasing preferences of agricultural insurance types of different farmers for the differentiated development of agricultural insurance types and to achieve high-quality development of agricultural insurance.On the basis of risk management theory,multi-objective utility theory and scale economy theory,combining the features of yield insurance,price insurance and revenue insurance;using the questionnaire data of 400 rice farmers obtained from field investigations in Anhui,Hubei province,it uses the multinomial logistic model to analyze the purchasing preference of agricultural insurance from the perspective of farmers’ cultivated scale,and discuss the influencing mechanism.The results of the study show:(1)The cultivated scale has a significant impact on farmers’ purchase preference of agricultural insurance,farmers with smaller cultivated scale tend to choose yield insurance,and farmers with larger cultivated scale tend to choose revenue insurance.The impact of cultivated scale on price insurance is not significant.(2)The cultivated scale has a promoting effect on specialized agricultural production,as the cultivated scale of farmers increases,the proportion of their agricultural income gradually increases,the planting structure tends to be single,and the degree of specialized agricultural production increases.(3)The cultivated scale operation affects the specialization of agricultural production of farmers,which in turn affects farmers’ purchasing preferences for agricultural insurance types,farmers with larger cultivated scales have a higher degree of specialization and show a stronger propensity to purchase revenue insurance.Based on the results,it proposes the optimization paths and suggestions for agricultural insurance products.Firstly,design diversified and differentiated agricultural insurance products and explore the combination of agricultural insurance and other products to achieve internal product optimization;then,build a complete insurance database and data sharing mechanism and adopt a differentiated strategy to design and promote agricultural insurance policies to achieve external product.Finally,it proposes to promote the construction of a multi-level agricultural insurance security system and adopt differentiated policies to guide farmers to purchase insurance to meet the risk management needs of farmers with different cultivated scale.