| Rural revitalization’s strategic plan proposes that we concentrate on cultivating the primary agricultural production regions,while simultaneously exploiting the geographical environment and agricultural resources of each area to form agricultural industries with regional features and specialized production,thereby fostering agricultural modernization.Based on this background,the government has issued policies and measures to help and benefit farmers for many years in succession."No.1 The importance of agricultural insurance for the advancement of agriculture,rural areas,and farmers has been emphatically highlighted in both the "Central Document"and "Annual Report," with proposals for enhancing agricultural insurance measures being put forward.The critical moment of achieving a well-off society and rural revival is greatly enhanced by agricultural insurance,which is essential in sustaining poverty alleviation accomplishments.As the main grain area in our country,northeast region is a high quality commodity grain base.In recent years,frequent meteorological disasters bring unfavorable consequences to local agriculture and rural development.A thorough investigation of the implementation of agricultural insurance can be a powerful tool in advancing the expansion of farmers’ income,thereby bolstering the rural revitalization plan.An examination of the agricultural insurance coverage rate in 36 cities across the three Northeast provinces from 2010 to 2020,taking into account the development level,industrial structure,and urbanization rate,was conducted.Exploring the effect of agricultural insurance on farmers’ income growth is the focus of this paper.Literature and empirical research are employed to carry out the research,based on the concepts of welfare economics and income distribution.The ultimate result:Agricultural insurance can enhance farmers’ earnings in three distinct ways:pre-disaster,post-disaster,and total.The pre-disaster effect has a much more pronounced impact than the post-disaster effect,and there is a disparity in income levels.Hence,a suggestion is made to advance agricultural insurance’s progress.Adopting measures such as augmenting subsidies and creating distinctive agricultural insurance products to augment the guarantee level and advance the sustainable growth of agriculture is essential.In the first part,this paper deeply discusses the background,purpose,influencing factors and development trend of the topic.In addition,it also makes comments on the innovation and limitations of the topic to clarify the necessity and feasibility.Beginning with the theoretical foundation of agricultural insurance and farmers’ income growth,this paper will then delve into welfare economics,public goods,and income distribution in its second section.Examining the effect of agricultural insurance on farmers’ income,and displaying the pre-and post-disaster effects from a combination of income and expenditure viewpoint,is essential.In the third part,a thorough exploration of the growth of agricultural insurance in the three Northeast provinces,and the effect it has on farmers’ income,to enhance agricultural security,is conducted.Subsequently,this paper examines the effect of agricultural insurance on farmers’ income growth in the three northeast provinces through fixed effect,quantile regression,all under the auspices of economics.The results show that agricultural insurance can produce positive effects both before and after disaster,and the pre-disaster effect is relatively large.Proposals for the government to bolster oversight of agricultural insurance,enhance the efficient system,create a successful risk early warning system,and implement targeted premium subsidy measures are put forth in the fifth part.Insurance companies must persistently strive to furnish superior security and services in a variety of areas.Utilizing science and technology to enhance the agricultural insurance industry and foster farmers’ risk management is essential. |
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