Study On The Willingness Of Farmers To Insure Agricultural Insurance In Luoyang City

Agriculture,as a weak industry,is threatened by natural disasters and other risks frequently,which leads to great risks and uncertainties in agricultural production and seriously restricts the development of agriculture.Agricultural insurance has an important means to avoid risks reasonably,which can reduce the economic loss of farmers,and can also provide a solid guarantee for the development of agriculture and agricultural economy.Since the central government attached great importance to agricultural insurance and implemented subsidies in 2007,There is a rapidly development of agricultural insurance in China,which achieves remarkable results.However,the development level of agricultural insurance cannot meet the needs of agriculture in our country.Agricultural insurance which has the following main problems: single variety,limited coverage,inadequate publicity and supervision,low compensation rate.In addition,farmers have a lack of awareness in agricultural insurance and distrust insurance companies,these reasons affect the enthusiasm of farmers to participate in agricultural insurance,which restrict the development of agriculture.Therefore,in order to research the factors which affect the willingness of farmers to participate in insurance(planting)and deal with many problems arising by agricultural insurance,this paper takes Luoyang as a sample area,through the research on purchase of agricultural insurance by farmers in Luoyang,we further mine the demands of farmers for agricultural insurance,which provide practical suggestions for the development of agricultural insurance in Luoyang.The first part of the paper elaborates the background and significance,summarizes the related work at domestic and foreign studies,then explains the research content and proposes our novel methods.The second part states the relevant concepts and theories of agricultural insurance.The third part combs the past and present development of agriculture in Luoyang,summarizes the advantages and deficiencies of agricultural insurance at present.The fourth part,based on the analysis of the current situation,proposes the main factors which affect the insurance will of farmers in theory.The fifth part is the empirical analysis of willingness of farmers to participate in insurance in Luoyang,combining with the current situation and existing problems,through the collation and application of survey data,we use the Logistic binary regression model for empirical analysis,and display the results in the following.The sixth part proposes conclusions and perfects the suggestions,speed up the development of agricultural insurance in Luoyang thus it will promote the increase the income of farmers.