Effectsof Agricultural Management Organization Formson Farmers’ Willingnessto Insure Characteristic Agricultural Insurance

Characteristic industries are very important to the economic development in the region.In order to support the development of characteristic industries in various places,the central government has introduced policies such as "replacing compensation with awards" to encourage all places to actively explore characteristic agricultural insurance and escort the development of industries.At present,agricultural management organizations are also more diverse,and cooperatives and leading enterprises actively play the role of helping agriculture,dispersing some risks for farmers.Taking the ginger industry in Laiwu District of Jinan City as an example,the ginger industry,as a characteristic industry in Laiwu District,is affected by both the decline of output and the fluctuation of price.In order to safeguard the interests of ginger growers in Laiwu District,in 2020,Laiwu District successively introduced ginger planting insurance and ginger target price insurance,which provided effective risk management tools for ginger growers.Different from staple food insurance and pig insurance,characteristic agricultural insurance has distinct local characteristics,which requires local governments and insurance institutions to give full play to their subjective initiative and explore development in combination with the characteristics of local industries.It is difficult to learn from less experience.According to the investigation,there are still many problems in the development of ginger insurance in Laiwu District of Jinan City,such as farmers’ insufficient understanding of ginger insurance and their low willingness to insure.In the process of underwriting claims,insurance companies also have some problems as direct suppliers of ginger insurance;Moreover,some farmers’ insurance decisions are decided by agricultural management organizations,ignoring the farmers’ willingness to insure.In the long run,it will affect ginger farmers’ satisfaction with ginger insurance and is not conducive to the development of ginger insurance.In order to promote the sustainable development of ginger insurance,this paper,from the perspective of agricultural management organization forms,obtains data through field research and online platform publishing questionnaires,and based on the survey data,deeply explores farmers’ willingness to insure ginger insurance,so as to analyze the influence of agricultural management organization forms on farmers’ willingness to insure ginger insurance,and provide certain theoretical reference for improving ginger farmers’ willingness to insure ginger insurance in Laiwu District.In the early stage of the development of characteristic agricultural insurance,this paper takes the form of agricultural management organization as the breakthrough point,adopts theoretical analysis,field investigation and empirical analysis,and takes ginger insurance in Laiwu District of Jinan as an example to study the influence of agricultural management organization form on farmers’ willingness to insure characteristic agricultural insurance,and draws the following conclusions: First,participating in agricultural management organization will improve farmers’ willingness to insure ginger insurance;The second is to participate in cooperative society to improve farmers’ willingness to insure ginger target price insurance;Third,signing orders with leading enterprises will increase farmers’ willingness to insure ginger planting insurance.The main reason is that the form of agricultural management organization will change farmers’ risk perception and planning behavior ability.Based on the experience of agricultural insurance development at home and abroad,this paper puts forward the following policy suggestions: first,develop new business entities and give full play to the role of farmers’ cooperatives and leading enterprises;The second is to increase the publicity of characteristic agricultural insurance,not only to ordinary farmers,but also to organize farmers;Third,improve the service quality of insurance companies,on the one hand,increase the number of staff in agricultural insurance departments,on the other hand,standardize agricultural insurance processes.It is hoped that the sustainable development of characteristic agricultural insurance can promote the development of characteristic industries and help the rural revitalization in the region.