The Researches Of Farmers’ Behavior Of Policy Agricultural Insurance In Guizhou

Fundamental position of agriculture in Guizhou Province is prominent, but thefragile karst environment led to natural disasters and a serious impediment to normalagricultural production, while lower income levels of farmers and weak riskawareness caused their inadequate production capacity to resist the risk ofAgriculture, resulting in the agricultural production depending on the weather, andnot conducive to ensuring food security and maintaining social stability. As a result,agricultural production in Guizhou is urgently in need of the effective risk controlmeans to protect its sustainable development. Policy agricultural insurance premiumsubsidies is an agricultural production risk control tool provided by the government inorder to reduce the burden on farmers to pay premiums, theoretically conducive to theefficient allocation of agricultural resources, and promoting the agricultural growth.The agricultural insurance policy of Guizhou started in2007, which achieved certainresults in the process of exploration, but still has many problems. This paper willanalyze from two aspects. One is the influence factors of the agricultural insurancepolicy from Farmers demand behavior. Another one is the game behavior between thefarmers during the policy agricultural insurance. Based on economic theoryquasi-public goods theory, welfare economics theory and behavioral economics theory,the paper uses metering Empirical analysis methods and approach to the game modelto analyze and research the farmer behavior of Guizhou policy agricultural insurance.As for the dilemma of insufficient effective demand of Agricultural insurance policy,we use Jinsha County, Guizhou Province,357household survey data to make aintuitive descriptive analysis of agricultural insurance needs of farmers, and useLogistic regression analysis to build a regression model,analyzing and concluding the main reasons: if they know the State subsidies; the number of disasters; the mainagricultural activities; the importance of agricultural insurance to the production andliving. The4factors are the decisive factors to the choice of the policy agriculturalinsurance needs of farmers. The degree of understanding the agricultural insurancehas certain effect on the demand for agricultural insurance policy. throughconstructing game model, we found that only the implementation of policyagricultural insurance premium subsidies and the number of farmers insured whenmaking the expected benefits outweigh the expected costs, farmers will choose to buythe policy agricultural insurance premium subsidy. The level of Guizhou Province’sthe policy agricultural insurance premium subsidy does not reach the intendedpurpose. Only when the premium subsidies is linked to the level of governmentsubsidies, and the profit of insurance premium subsidy is more than expectedinsurance costs, farmers will positively buy it. By analyzing the farmer behavior inGuizhou policy agricultural insurance systematically, the paper puts forward somecountermeasures to promote agricultural insurance policy in Guizhou.