Research On Farmers’ Willingness To Participate In Agricultural Catastrophe Insurance And Its Influencing Factors In Heilongjiang Province

It’s a safe place.Food is related to national transportation and people’s livelihood.Food security is an important basis for national security.Food production is an important part of China’s agricultural economy.The state attaches great importance to the risk protection function of agricultural insurance for food crop planting,and successively introduces relevant policies to strengthen support and promote the multi-level innovative development of agricultural insurance.In 2017,China selected 13 major grain producing provinces to carry out agricultural catastrophe insurance pilot projects.As an important grain production base in China,Heilongjiang Province has two pilot projects in progress,with the number of pilot counties and insurance coverage ranking first in China.Since the three-year pilot work was carried out,the level of risk protection of scale operation farmers in Heilongjiang Province has been significantly improved,and farmers’ sense of acquisition has been enhanced.However,the practical problems such as low awareness of farmers,low enthusiasm for insurance,imperfect policy system,weak disaster awareness of farmers,local financial difficulties and low coverage of pilot sites also need to be solved.This study takes Heilongjiang Province as the research area,based on the overall development of agricultural catastrophe insurance in Heilongjiang Province and the questionnaire survey data of farmers in the pilot area,studies farmers’ willingness to participate in agricultural catastrophe insurance and its influencing factors,and carries out model comparative analysis for different scale farmers,so as to optimize and improve the next step promotion policy and improve the effect of agricultural catastrophe insurance pilot in Heilongjiang Province It is of great practical significance to provide reference for other pilot provinces nationwide.Based on the investigation of the actual situation of the pilot area of Heilongjiang Province agricultural disaster insurance and the statistical analysis of the relevant insurance data of the financial department,this paper analyzes the current grain crop planting structure,scale and output,and the current traditional policy agricultural insurance on the main grain crops;for the agricultural disaster insurance,from the pilot scope,the level of guarantee,the acceptance The paper describes the achievements of Heilongjiang pilot project in detail from the perspective of scale and policy support,and analyzes the main problems in the present situation.Based on the reality,the theoretical framework of the theory of planned behavior is expanded,and the theoretical model of this study is established.From the perspective of cognitive attitude,purchasing ability,government policy support and regional disaster characteristics,the paper describes the achievements of Heilongjiang pilot project in detail On the one hand,the research hypothesis is put forward.Through the questionnaire survey in 24 pilot counties of 8 cities in Heilongjiang Province,the data of 359 farmers’ samples are collected,and the structural equation model is established to analyze the influence of four factors on the willingness of farmers to participate in insurance.According to the scale of planting,the farmers are divided into small farmers and scale households.The three models are compared and studied.The conclusion is as follows: the cognition attitude of farmers to agricultural disaster insurance,the purchasing ability of agricultural insurance and the support of government policies have a significant impact on the willingness of farmers to participate in the insurance,and the large-scale farmers have stronger willingness to participate in insurance than small farmers;the impact of regional disaster characteristics on Farmers’ willingness to participate in insurance is not significant in the whole sample model and small peasant households model,but for the farmers,the impact of regional disaster characteristics on Farmers’ willingness to participate in insurance is not significant in the whole sample model and small peasant households model,but for the The moderate scale operation of farmers,the larger production scale and more concentrated natural risks,make the degree of disaster affected by the agricultural production process is higher,the risk awareness is stronger,which has a significant impact on their willingness to participate in insurance.Based on the empirical research conclusions and Heilongjiang agricultural insurance policy and institutional environment,this paper puts forward countermeasures to effectively improve Heilongjiang farmers’ willingness to participate in catastrophe insurance and enhance the effectiveness of the pilot operation from the four dimensions of strengthening publicity and promotion,enhancing farmers’ cognition,optimizing operation mechanism,enhancing security capability,improving policy system,strengthening support,expanding security scope and strengthening disaster early warning Discussion.It is pointed out that the agricultural catastrophe insurance in Heilongjiang Province should establish the work direction of short-term effectiveness and long-term expansion,effectively improve the risk guarantee ability of main food crops planting,promote the benign,efficient and sustainable operation of agricultural catastrophe insurance,and escort the stable development of agricultural economy.