Study On The Willingness Of Tea Farmers In Shihe District,Xinyang City To Purchase Tea Income Insurance And The Factors Influencing It

China’s traditional agricultural insurance has the characteristics of single coverage,low level of coverage,single risk and high premium,which can no longer adapt to the needs of modern agricultural development.The agricultural income insurance can have the advantages of high insurance level,wide insurance coverage and low insurance rate at the same time.In recent years,the state has repeatedly referred to the development of local characteristics of agricultural products insurance,and nationwide income insurance pilot work to address the risks faced by farmers and agricultural enterprises.Tea is one of the special agricultural products in Shihe District,Xinyang City,the tea industry is also a pillar industry of local agricultural economic development.However,the natural risks and market risks in the process of tea cultivation will have a greater impact on the income of tea farmers,it is difficult to protect the maximum economic interests of tea farmers.Tea income insurance can compensate for losses caused by natural risks and market risks in the process of tea planting,thus bringing some protection to the income of tea farmers and promoting the development of the tea industry.Therefore,this thesis based on Shihe District tea farmers perspective,selected Shihe District tea farmers to buy tea income insurance willingness and influence factors for the research theme,to explore Shihe District tea farmers to buy tea income insurance willingness of significant factors affecting the Shihe District tea income insurance development to provide theoretical guidance to promote the further development of Shihe District tea income insurance business.The paper first through the collation and summary of relevant literature at home and abroad,a more comprehensive understanding of it.Secondly,the concept and theory related to agricultural income insurance is explained.Again,the analysis of Shihe District tea planting the current situation,tea production facing yield and price risks and Shihe District tea income insurance operation mechanism,and summarize the Shihe District tea income insurance development problems.On this basis,Shihe District as an example,the use of binary logistic regression model,the tea farmers to buy tea income insurance willingness to conduct a questionnaire survey,and extracted the relevant variables.Through the study,it can be seen that the tea farmers’ literacy,tea income accounted for the proportion of household income,tea income stability,the number of losses caused by natural disasters,the number of losses caused by falling tea prices,farmers’ knowledge of agricultural insurance,awareness of the importance of agricultural insurance and the purchase of tea income insurance out-of-pocket ratio,have a significant impact on the tea farmers’ willingness to purchase tea income insurance.Finally for Shihe District tea income insurance development problems put forward the development of Shihe District Province special agricultural products Shihe District tea income insurance countermeasure suggestions,Shihe District government to increase the investment in tea income insurance;improve Shihe District insurance company’s service quality;strengthen the propaganda efforts to improve Shihe District tea farmers to participate in insurance awareness and other related countermeasure suggestions.