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The Empirical Study on Farmers' Agricultural Insurance Demand

China is a big agricultural country and agriculture, the problems of agriculture and farmers have always been the key issues of China\
Submitted On: 04-01-2010 | Views:	Article Tools:

China is a big agricultural country and agriculture, the problems of agriculture and farmers have always been the key issues of China's revolution and construction in reform. Nowadays, it still is a major problem on the overall situation. Farmers need a kind of risk management mechanism to transfer agricultural risk and share the economic lost. The agricultural insurance is precisely the risk transfer mechanism that Chinese farmers needed, and it is an important means to protect and develop agriculture. Huai'an city is the big agricultural production city of Jiangsu; its agricultural production suffers the serious disaster attack. Huai'an city actively participate the agricultural insurance piloting. The local government and insurance company joint participation to pilot the agricultural insurance policy for the first time. This paper will focus on analyzing the factors which affected farmers willing to buy agricultural insurance. We give the corresponding countermeasures on the basis of analyzing farmers' purchase willing.As follows, six parts compose the thesis.The 1~(st) chapter is Introduction. This section presents the background and significance of topics, research trends, research hypotheses and research, research methods and techniques line, and the possible lack of innovation and so on;In the 2~(nd) chapter, relative theories are concerned. It includes the quasi-public goods character of agricultural insurance, the demand theory, consumer behavior theory and expectation utility theory and so on.The paper's 3~(rd) chapter showed the development historical of agricultural insurance in Huai'an Jiangsu province.In the 4~(th) chapter, According to the survey questionnaire on Huai'an, Jiangsu Province, the paragraph analyzed farmers' awareness on agricultural insurance and willingness to purchase descriptive;The 5~(th) chapter analyzed the influencing factors of farmers' agricultural insurance needs using Logit Model. The author supposed the affecting factors including farmers' cognitive level on the agricultural insurance, the agricultural income level of farmers' educational level of farmers, fanners' insured satisfaction, and government subsidies;Chapter 6~(th) gave conclusions on the basis of research and theory in the light of the actual situation, standardized analysis and empirical analysis. Finally, the paper made policy recommendations.

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