Analysis Of Farmers’ Willingness To Participate In Insurance And Implementation Deviation Of Policy-based Agricultural Insurance In S Area

As an important tool for transferring agricultural risks,policy-based agricultural insurance plays an extremely important role in spreading agricultural risks and protecting farmers’ income,and has the functions of an economic "shock absorber" and a social "stabiliser".At present,in order to accommodate the continuous expansion of agricultural insurance,the scale of policy agricultural insurance has gradually expanded and the types of policy agricultural insurance have become more complete,but the recognition of policy agricultural insurance among farmers is not high enough,and there are still problems in its development,and there is still a gap between the quality development.Firstly,this paper elaborates the policy objectives and policy implementation process of policy-based agricultural insurance in S area of Z City.Secondly,in order to accurately grasp the participation of farmers in policy-based agricultural insurance in S area,this paper uses a questionnaire to conduct a preliminary analysis of farmers’ willingness to participate in insurance,and then uses the logistic model to regression analysis of the questionnaire data,combined with Smith’s theory,to find out six significant factors affecting farmers’ participation in insurance.Then,the Logistic model analysis results are innovatively used to explore the deviation performance in the execution process,and then analyze the reasons for the deviation.Finally,corrective measures are proposed.It is found that the six significant factors affecting the participation of farmers in policy-based agricultural insurance in S area are education level,proportion of agricultural income to total household income,understanding of policy agricultural insurance,the role of stable family income,satisfaction with insurance companies’ claim services,and satisfaction with insurance companies’ claim amounts.The policy implementation mechanism is not perfect,and the actual results of the policy are not obvious.To this end,it is necessary to adhere to the guidance of policy implementation entities by strengthening the cognitive level of policy implementation subjects,improving the service capabilities of policy implementation subjects,and establishing multi-level and all-round agricultural insurance service outlets,and strengthen the responsibility of policy implementation entities;Continuously correct the awareness of target groups by broadening communication channels,cultivating the spirit of farmer contracts,and strengthening insurance anti-fraud efforts;Continuously improve the policy implementation guarantee mechanism by accelerating the construction of information sharing platforms,strengthening supervision and anchoring high-quality development goals;By promoting the concept of fairness and integrity and strengthening technological empowerment,we will continue to create a good policy implementation environment.