Study On The Impact Of Agricultural Insurance On Agricultural Production In Jianghan Plain

Disasters from nature have seriously affected human survival and production.In recent years,with the accelerated development of urbanization and the rapid progress of industrialization,the natural environment has gradually become worse.The high frequency and high loss of natural disasters have attracted the high attention of many experts.The Jianghan Plain in the middle reaches of the Yangtze River is a region prone to natural disasters.The frequent occurrence of natural disasters not only makes ecological conditions worse,but also brings serious economic losses to agriculture.The risks brought by disasters to regional agriculture have also become an important factor impeding the development of regional agriculture and a huge obstacle for farmers to generate income.This study explores the current development status of agricultural insurance in the Jianghan Plain,the existing impact of agricultural risks,and the factors that constrain the demand and supply of agricultural insurance.By using a binary logistic regression model to conduct empirical analysis of the different production behaviors of farmers affected by agricultural insurance,it explores suitable business models for the development of agricultural insurance in the Jianghan Plain,with the aim of reducing agricultural production and operation risks for farmers,Further providing important assistance for promoting the development of agriculture in Hubei Province towards higher quality.It is conducive to meeting the needs of farmers,improving production recovery capacity,establishing agricultural insurance policy mechanisms and risk management and control systems in the middle reaches of the Yangtze River Plain,and promoting ecological conditions improvement and post disaster recovery of production;The positive role of maintaining regional economic upgrading and financial assistance to agriculture in both theoretical application and practice is very important.This paper applies public goods theory,prospect theory,and farmer behavior theory,this paper makes an in-depth discussion on the development of agriculture and agricultural insurance in Jianghan plain.Taking Jianghan Plain as an example,this paper makes an in-depth analysis of farmers’ various requirements for agricultural insurance,and establish a binary logit model,and explore its in-depth development trend.This paper makes a preliminary discussion on how to carry out agricultural insurance work in Jianghan Plain.The results of this research show that in recent years,flood disasters have occurred frequently in Jianghan Plain.Although the agricultural insurance mechanism has gradually matured,the quality of agricultural insurance needs to be improved,and there is a lack of disaster risk response mechanism,and farmers lack awareness of insurance;In agricultural production,farmers’ understanding of agricultural insurance,Farmers’ income and farmers’ participation in cooperatives play a very positive role in farmers’ agricultural insurance needs.Farmers’ age and land quality have a significant negative effect on their requirements for agricultural insurance.In view of the above situation,this paper discusses how to strengthen and improve the agricultural insurance management in our country.;Second,expand the coverage of agricultural insurance and build a multi-level security system;Third,improve the cultural and educational level of farmers;Fourth,promote land scale management and efficient agriculture,and increase farmers’ demand for agricultural insurance;Fifth,strengthen the propaganda,education and organization guidance for farmers.