| Currently,except for the three major grain crops,the coverage of agricultural insurance in China is generally small,and the level of protection needs to be improved.Meanwhile,with the development of the economy,agricultural producers are facing more focused natural and market risks,and the endowment conditions of farmers such as planting scale,income level,and social resources are increasingly differentiated,which further leads to differences in their insurance decision-making behavior.To meet this diverse demand for insurance,encouraging the development of local advantageous and characteristic agricultural product insurance has become a consensus among governments at all levels.As the first innovative agricultural insurance in the field of Chinese prickly ash production nationwide,Hancheng Chinese prickly ash comprehensive index insurance just covers the meteorological disaster risk and market price risk in the production of Chinese prickly ash,which is of great significance to protect the income of Chinese prickly ash farmers and stabilize the market price of Chinese prickly ash.However,since its pilot promotion in 2016,Hancheng Chinese prickly ash comprehensive index insurance has also faced the reality of slow promotion speed and low coverage.Therefore,this study analyzes the impact of farmers’ endowment and risk factors on their willingness to purchase insurance,aiming to clarify the factors that constrain farmers’ willingness to purchase,and then propose relevant suggestions to enhance the penetration and contribution of Hancheng pepper comprehensive index insurance in economic and social development,and promote the healthy development of Hancheng pepper industry.This study first analyzes the current development status of Hancheng pepper industry and pepper comprehensive index insurance,and summarizes the problems in the development of pepper comprehensive index insurance;Secondly,based on existing research in the academic community,the endowment factors of farmers are divided into three categories: personal endowment,family endowment,and resource endowment.A total of 9 survey indicators are set,and risk factors refer to disaster risk and price risk factors.A questionnaire survey was conducted on 256 pepper farmers in Hancheng City;Finally,based on micro survey data,a binary logistic model is established between the corresponding indicators of farmers’ endowments and risk factors and the willingness of farmers to purchase pepper insurance,in order to analyze the impact of each indicator on the willingness of farmers to purchase pepper comprehensive index insurance.The research results show that:(1)Although the innovation pilot of pepper comprehensive index insurance in Hancheng City was early,there are problems in the promotion and application of low insurance coverage,limited insurance promotion channels,controversial insurance prices and production settings,and reliance on premium subsidies.(2)Among the endowment factors of farmers,planting scale,input cost,and neighborhood feedback have a significant positive impact on their willingness to purchase insurance,while part-time employment has a significant negative impact on their willingness to purchase insurance.However,age,education level,planting years,understanding of insurance,and satisfaction with government subsidies have no significant impact on their willingness to purchase insurance.(3)Both disaster risk and price risk have a significant positive impact on the willingness of farmers to purchase insurance.In view of this,measures and suggestions are proposed to improve the endowment of farmers,reasonably set insurance thresholds,promote insurance information resources based on demand orientation,develop the pepper futures market,and encourage moderate scale operation,in order to optimize insurance plans,enhance the willingness of farmers to purchase,and assist the healthy development of Hancheng pepper industry. |
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