Study On The Willingness Of Mu Danjiang Farmers To Insure Their Mutual Insurance

Agriculture,as the primary in the three industries,occupies a very high position in the development of human society.Any social production and human activities can not be separated from the support of agriculture.Agricultural cultivation technology,production technology,sales means are constantly improving,has provided a wide range of innovation and development of agricultural development space.However,natural disasters are still a major factor that cannot be controlled by people or technology in the course of agricultural cultivation,such as drought,floods,pests and diseases,hail and other natural disasters,such as the threat of force majeure of agricultural Development,science and technology through the improvement of new varieties and other ways to strengthen crops against natural disasters.In the face of these disasters,farmers are the biggest victims,but also the weakest groups,farmers ' rights and interests of how to maximize the protection of the problems plaguing the country.The emergence of agricultural insurance has changed this pattern.The Agricultural insurance Regulations of 2012 provide a conceptual definition of agricultural insurance,the second of which stipulates: "Agricultural insurance as mentioned in this regulation refers to the natural disasters,accidents and accidents which are agreed upon by the insured in the course of agricultural production by the insurance company under the agricultural insurance contract,An insurance activity in which the property loss caused by an accident such as a disease or illness is liable for compensation insurance.Agriculture referred to in these Regulations refers to industries such as planting,forestry,animal husbandry and fishery.” The emergence of agricultural insurance brings hope to farmers,but it is also accompanied with questioning.The agricultural insurance market is not standard,the legal system is not perfect,and so on one of the problems appeared in People's view.As one of the few insurance companies with agricultural insurance in China,Sunshine Agriculture Mutual Insurance is a more mature example of agricultural insurance companies.Heilongjiang Province is the most widely covered area in the mutual insurance business of sunshine Agriculture,Mudanjiang as an important agricultural region in Heilongjiang province,and has a certain representativeness.This paper takes sunshine Agriculture Mutual Insurance Company as the research object,taking peasant households of Mudanjiang as the research group,investigation by sampling method,aiming at understanding the factors that affect the farmers to choose Sunshine Agriculture Mutual Insurance,which will play a exemplary role for the development of the whole agricultural insurance industry.This paper takes sunshine Agriculture Mutual Insurance Company as the research object,and takes the theory of behavioral decision and insurance demand as theoretical guidance.Combing relevant domestic and foreign literatures,obtaining data through field investigation,understanding the business status of Mudanjiang Sunshine Agriculture Mutual Insurance company,summarizing the problems existing in the choice of Mudanjiang farmers ' sunshine Agriculture mutual insurance,including the unwillingness of farmers to insure,the distrust of agricultural insurance among some farmers,The insurance Claims procedure has yet to be perfected and the market competitor's strength is strong and so on.Through the analysis of the factors and the descriptive statistic analysis of the field investigation,this paper puts forward corresponding solutions to the existing problems,including increasing the cooperation between enterprises and enterprises,strengthening the construction of insurance service and claims mechanism,innovating and optimizing the insurance system and insurance,and raising farmers ' consciousness of insuring the agricultural insurance.