A Study Of Aquiculture Insurance Purchased Intention In Zaozhuang City

Zaozhuang City is. located at the junction between the south of Shandong Province and Jiangsu Province, on the verge of Weishan Lake wetland, with abundant fresh water resources. Compared to freshwater aquaculture and other northern inland areas, freshwater aquaculture economic development in Zaozhuang City is faster and the output of freshwater products is larger. The intention of ordinary farmers in Zaozhuang City to purchase insurance on the freshwater aquaculture production has a certain representativeness.The data, in this paper, is mainly collected with the method of questionnaire from different breeding scale farmers. Survey data was from86 freshwater aquaculture households in Tengzhou, Zaozhuang City. Freshwater aquaculture risk awareness and insurance development in Zaozhuang City as the research subject, then empirical analysis and the quantitative analysis unifies taken to analyze the risk awareness among farmers and, prevention and control measures taken for the fishermen, influence factors of insurance bought for freshwater aquaculture production for empirical research were in the paper to construct the risk management system in accordance with the characteristics of fishery development in Zaozhuang. The author hoped this paper could provide the reference for the current development of fishery economy and development of fishery insurance in the future. The research contents and conclusions are as follows:First, investigation on development of freshwater aquaculture insurance and the pilot in ChinaThe author, based on the literature, knew that most according to researchers in China, generally, the development of agricultural insurance in China were divided into four stages:start-up and closed period, recovery period, the downturn period, and large-scale pilot and rapid development period. In recent years, with the rapid development of freshwater aquaculture production insurance in China. Hubei, Anhui, Guangxi, Guangdong, Shandong, Jiangsu, Sichuan, Zhejiang provinces and Shanghai city had launched a freshwater aquaculture insurance pilot work, and achieved certain results, which provided the perfect experience and technical support for freshwater aquaculture insurance development in the future.Second, analysis of the characteristics of freshwater aquaculture insuranceFreshwater aquaculture industry was a high risk industry and the particularity of the insurance industry for freshwater aquaculture production was determined by the complexity of the aquaculture production activities, strong dependence on the natural environment conditions, breeding aquatic product variety, breeding technology of profession. Freshwater aquaculture production insurance, as a new variety of agricultural insurance, different from other types of agricultural insurance, itself had a certain particularity. The author summarized the particularity of freshwater aquaculture insurance in pilots in China and the problems existing in development process of China’s freshwater aquaculture production insurance:imbalance of insurance market demand, existing of high payment rate, dominant of policy-based insurance, determining the premium rate needed to be perfect.Third, investigation on the development of freshwater aquaculture and insurance industry in Zaozhuang CityZaozhuang City, as a typical inland water area, was less affected by natural disasters than the coastal areas, so the demand for freshwater aquaculture insurance market was relatively low. On the other hand, the production of freshwater aquaculture insurance as a new type of insurance, most of the local farmers in Zaozhuang was lack of awareness of the insurance of freshwater aquaculture production insurance to hold a waiting and careful attitude. In addition, the author also investigated the situation of disasters and losses in Zaozhuang in recent years, the survey showed that the farmers of freshwater aquaculture, average every year, in Zaozhuang, had been affected by the accident, but most of the affected farmers were difficult to be given the compensation of the accident.Fourth, factors analysis of the impact of purchasing freshwater aquaculture proAccording to characteristics of the freshwater aquaculture and insurance,10 aspects as the research content in this paper, respectively, were:educational background, age of householder, the farming scale, breed cost, experience of disaster loss, training experience, income structure, management experience, government subsidies, loans. The data of the intention of purchasing the insurance from the survey for quantitative analysis, and,finally, software of SPSS22.0 carried out for binary logistic regression analysis were to verify the level of significance of factors on purchasing insurance. Results in the study showed that Management experience (Sig.=0.000), Educational background(Sig.=0.004), Governmental subsidies(Sig.=0.004), Household age(Sig.=0.003), Training experience(Sig.=0.027), Experience of disaster and loss(Sig.=0.035), these six factors on purchase intention from freshwater farmers on production insurance in the survey had significant influence.Fifth, suggestions on the development of freshwater aquaculture insurance in Zaozhuang City.In this paper, two suggestions based on the pilot, freshwater aquaculture development and characteristics of insurance development in Zaozhuang City were put forward. One was to give priority to the development of policy-based insurance for freshwater aquaculture, the other was to explore the mutual insurance model of professional cooperatives. Policy-based freshwater aquaculture insurance was important support from the government for the development of local freshwater aquaculture insurance. At present, there were 22 professional cooperatives for fishery production in Zaozhuang. Absence of freshwater aquaculture production insurance from the government and insurance institutions, so professional cooperatives can be encouraged and supported to carry out mutual insurance model.