The Empirical Analysis Of Different Rural Income Groups' Demands On Agriculture Insurance In Jilin Province

Agriculture is the basic industry of China's national economy,but it confronted with its primary risks,the natural disasters,As most households are decentralized in production,their abilities of transferring these risks are relatively weak.Facts have shown that the agriculture insurance is an effective mechanism for various countries to reduce risks.However, with the features of the incomplete public products and because of the lower income level of farmers,the agriculture insurance falls in the predicament of the lack of supply and demand,which leads to the deficiency of effective demand.Based on the supply and demand theory of agriculture insurance and other relevant theories,this thesis aims to clear up the data of agriculture insurance enterprise and analyze the research information of five agriculture insurance regions in Jilin Province. On top of that,the methods of relevant agriculture insurance data of 15 counties in Jilin Province,the panel data model, the questionnaire survey and statistical analysis are used to support this thesis.It shows that different demands on agriculture insurance of different groups and different economic regions,adding suggestions in terms of our country,enterprises and farmers should put into action.Therefore, the research supplies reference and foundation for China in the making of agriculture insurance policy and for the enterprises to make short-term strategies and long-turn strategic planning.1 According to the rising of rural income level, different regional income groups increase their demands on the agriculture insurance.For instance,the higher income regions have stronger elasticity than the middle and low-level income,the latter is decreasing on demands.It turns out that the rural income level is in proportion to the demands on agriculture insurance。It also illustrates the rising income level has significant stimulating impact on the insurance consumption on condition that the farmer are willing to buy insurance.2 Different income groups vary a lot in the demands on life insurance.Apart from the high level groups and the majorities of the second and third industries who have strong demands on life insurance,the rest groups are vary greatly in life insurance demands according to economic level,education,working conditions and the abilities of accepting new things.The price elements,insurance rate of products have tight connection with the insurance demands of different income groups. The price and security of agriculture insurance are the most concerned factors for the potential demands of farmers,and it also directly affects the results of insuring.Only if the above aspects are up to the expectation of farmers,they would reach goals of safeguarding their rights through buying agriculture insurance.Different income groups vary a lot in the demand on plantation and breeding industries.We can draw a conclusion that the demands on the agriculture insurance are affected greatly by the proportion of income.Thereafter,the majority of agriculture insurance have strong demands on the plantation and breeding industries.In addition,buying insurance is provided with the explanatory ability and influence when the agriculture income is the main source of payment.3 The government should strengthen the management and support the agriculture insurance companies in three aspects:To lend more economic support of agriculture insurance companies;To strengthen laws and regulations in this regard;To give administrative support.The management level should be improved in the following aspects:The insurance production should fit in with the demand of different income level groups;The insurance production should meet the regional agriculture features;The marketing suggestions from the grassroots marketing personnel should be paid more attention to;The training of professionals should be strengthened.The income level of farmers should be increased,especially the cash income.It leads to the increasing demand of agriculture insurance at the base of higher consumption abilities and the insurance awareness.