Study On The Influence Factors Of Farmers’ Agricultural Insurance Purchasing Intention Of Henan Province

As the main force of the national agricultural production,it is no doubt that agricultural production base in Henan is of importance.However,risks like natural disasters often attack our regional areas,which seriously impede the continuous fast development of agriculture and rural economy.Agricultural insurance—a significant insurance tool in the agricultural development,plays a critical role in transferring and diversifying risks,and reducing economic losses of farmers,and safeguards powerfully for the agricultural development in Henan.However,the current development of agricultural insurance in Henan—smaller insurance coverage,lack of creativity in types of insurance,the shortage of professionals,limited range of services,obscure promotions,less policy guidance still could not satisfy the needs in agricultural development.Moreover,with the increase of agricultural production base investment,risks facing and insurance premium paying,some major farmers pay more attention to the agricultural insurance level and raise a higher claim for the service of the insurance company.Therefore,from the agricultural applicants’ point of view,the analysis regards the Qibin District,Hebi as a survey object to make an intensive study of the keys to farmer’s insurance willingness,analyze and dig out the potential demands in agricultural insurance for farmers as much as possible,and lay the theoretical and practical foundation for expanding agricultural insurance markets.This thesis firstly depicts the research purpose and significance,research overview at home and abroad,research methods,creativity and weaknesses;secondly theoretically basing on insurance supply and demand theory,behavior decision theory and others,concludes keys to farmer’s insurance willingness from government supports,insurance company services,farmers’ personal factors on the basis of agricultural insurance development general introduction summary in Henan;thirdly makes a statistical analysis on questionnaire samples in certain areas including personal features(age,gender,education background and others),economic conditions(household income,agricultural income percentage and others),agricultural acreage,disaster-stricken conditions,insurance awareness and so on,and models possible obvious influence factors to make Logistic Regression analysis.It turns out that education background,agricultural income percentage,insurance awareness,disaster-stricken conditions and insurance loss ration make positiveobvious effects on farmer’s insurance willingness;finally according to research results looks forward to policy suggestions.First,strengthen agricultural insurance publicity and promotion;Second,continue to promote agricultural insurance precise poverty alleviation;Third,improve the service level of insurance companies;Forth,insist on exploring the innovation of agricultural insurance;Fifth,strengthen government subsidies to support the premium;Sixth,improve the system design and operation of agricultural insurance.