Research On The Level Of Willingness To Pay For The Policy Agricultural Insurance Of Corn Growers In Lindian County

Agricultural insurance has been written into the “ No.1 Document of the Central Committee” issued by the State Council of the CPC Central Committee since 2007.In order to promote the development of agricultural insurance.A series of policies have been issued by Heilongjiang province which is an important commodity grain production base in China.Lindian county in Heilongjiang province is not only a poverty-stricken county at the national level,but also a major grain-producing county in China.Corn is the most important grain crop in Lindian county.The influencing factors of the willingness to pay for policy-based agricultural insurance of corn growers are analyzed in this paper,which has reference significance for the implementation of policy-based agricultural insurance premium subsidy by Lindian county government on the premise of limited financial budget of Lindian county.Through the analysis of the investigated data of corn growers in 18 villages of 5 townships in Lindian county,it is found that there are differences in willingness to pay for policy-based agricultural insurance among corn growers in Lindian county.Using the Ordered probit model to analyze the factors affecting the willingness to pay premium grade of policy-oriented agricultural insurance of corn growers in Lindian county,the results showed that the higher education level,the more times of disaster in recent ten years,the better understanding of insurance policy,the larger corn planting area and the farmers with land transfer behavior,the greater probability of willingness to pay high premium grade of corn growers was.The more planters,the poorer land quality and the more diversified planting behavior,the greater probability of willingness to pay low premium grades was.Compared with the existing research on the influencing factors of the purchase intention of policy-based agricultural insurance,according to the current premium level of corn policy-based insurance in Lindian county,the influencing factors of the willing payment level of corn growers with the purchase intention were analyzed in this paper.Due to the limited selection of indicators and the limited scope of investigated data,the factors affecting the willingness of corn growers to pay for policy-based agricultural insurance will change when the number of investigated samples or other research method are changed.