A Study For Factors Affecting Farmers In Anhui Agricultural Insurance Requirements

Agriculture is a weak industry, and the production faces numerous natural disasters and other risks.Anhui Province,as a major agricultural province of China,Its agricultural production mainly suffered from the invasion of drought and flood disasters.Farmers have needs and desires of risk aversion, but they limit the level of risk management knowledge, only with experience to avoid risk,not able to find an effective way.Frequent droughts, floods and other natural disasters have been plaguing farmers.According to statistics, from 2003 to 2012, Anhui Province, the average annual total crop acreage is about 8873.70one thousand hectares, of which, the average affected area 2151.59 thousand hectares, droughts and floods annually up to 1,670.71 million hectares, accounting for 77.65 stricken area%, accounting for 18.83% of the total area planted.Agriculture and rural economic development is seriously threatened.Agricultural insurance as a risk management tool for effective agriculture has become an important option for farmers to diversify risk.In recent years, agricultural insurance has drawn increasing attention of government departments, and the academic study of agricultural insurance, more and more, to improve farmers’ agricultural insurance demand factors and the impact of scientific knowledge, propose effective measures to protect farmers interest, to stabilize and improve the income level of farmers, promoting agricultural and rural economic development, has important practical significance.In this paper, the properties of agricultural insurance, risk management theory and the theory of agricultural insurance needs with a systematic exposition of the theory, and agricultural risks, agricultural insurance, agricultural insurance needs of farmers defines the concept.On this basis, analyzes the history, current situation and the status of development of agricultural insurance agricultural insurance development in Chuzhou City, Anhui Province, and the influencing factors were summarized agricultural insurance needs, providing support for the theory behind the empirical analysis.This study selected some agricultural insurance pilot areas of Chuzhou City, Anhui Province as samples to conduct field research, field interviews and in-home questionnaires to obtain first-hand information, take descriptive statistics and Logit regression models of Anhui Agricultural Farmers Insurance demand factors analysis of the problem, explore the direction and extent of the impact of various factors.Finally, to improve the effective demand for agricultural insurance Anhui farmers propose targeted suggestions.