A Study On The Factors Influencing The Willingness To Insure Han Hemp Planting Insurance In Heilongjiang Province

Hanma,an ancient annual herbaceous crop,is one of the five grain crops in northern China.China’s production and research and development achievements are at a leading level internationally,and it is also the world’s largest production,processing,and export country.With the strong support of relevant policies,14 types of industrial chains have gradually formed in China,including planting,rough processing,fiber,chemical industry,composite materials,food and medicine,and biomass diesel,with over 3000 product types.The development of the hemp industry in Heilongjiang Province has unique climatic conditions,land advantages,and location advantages,which have been highly valued by the provincial party committee and government in recent years.We have successively incorporated the promotion of the development of the hemp industry into important documents such as the“Heilongjiang Agricultural Strong Province Plan(2020-2025)” and the“Opinions on Implementing the 14 th Five Year Plan for Northeast Revitalization”.In 2021,the Economic Work Conference of Heilongjiang Province also listed Hanma as a key cultivation point for economic growth.The development of the hemp industry in Heilongjiang Province is based on the operation mode of using agricultural products as raw materials and industrial development as achievements.In the process of planting and production,due to the lack of planting experience of farmers and the low level of mechanization of hemp planting,agricultural risks are relatively high.Agricultural insurance is the main way to ensure agricultural production safety and disperse agricultural risks.Based on the above background,this article optimizes the development path of hemp planting insurance in Heilongjiang Province from the perspective of the insurance willingness of hemp planting households.First,the literature review method is used to summarize the research methods and conclusions of domestic and foreign scholars on agricultural insurance demand,influencing factors of insurance willingness,and cash crop insurance,and collect and sort out the production status and economic benefits of hemp in Heilongjiang Province.Subsequently,a study was conducted on the willingness of planters to purchase insurance.In the study of insurance willingness,this article uses a questionnaire survey method to obtain survey questionnaires in three cities and four districts and counties in Heilongjiang Province,and uses empirical analysis method to select a Logistic model to analyze the insurance willingness of farmers from three aspects: individual level,insurance company level,and policy support level.Based on the actual situation,the conclusion is drawn that there is a single product in the development process of Han hemp planting insurance in Heilongjiang Province There are issues such as high compensation rates,ignoring regional and crop variety characteristics,insufficient understanding of insurance products by farmers,insufficient trust in insurance companies by farmers,and insufficient satisfaction with subsidy policies.Based on this,in order to enhance the willingness of farmers to purchase insurance for hemp planting,relevant reasonable suggestions are proposed to government departments and insurance companies.Insurance companies and government departments should collaborate with each other to optimize product systems and improve service levels;Expand promotion channels and expand insurance coverage;Improve claims level and change inherent cognition;Establish a professional team to control operational risks and optimize the operational mechanism of hemp planting insurance.In order to promote the high-quality development of hemp planting insurance in Heilongjiang Province and ensure the stable development of local characteristic agricultural economy in Heilongjiang Province.