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Influencing factors analysis based on the willingness of farmers demand for agricultural insurance

Author: WuHao
Tutor: ChenXiMin
School: Northwestern University
Course: Finance
Keywords: Agriculture Insurance purchase willing less-developing areas Multinomial Logistic Model
CLC: F842.6
Type: Master's thesis
Year: 2009
Downloads: 523
Quote: 3
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Abstract


Agriculture is the foundation in our national economy. Well as agriculture is so weak, facing natural disasters and other risks, it needs a transfer mechanism. Agricultural and natural catastrophe risks are characteristics, because of loss and the level of serious coverage. Especially in less-developing regions of China, peasants are basically at the decentralized management state and weak to transfer the risk of agriculture, and agriculture insurance is an efficient mechanism to transfer agricultural risk which has been proved by practice all over the world. However, because of its quasi-public properties, the development of both supply and demand of agriculture insurance products is a shortage, coupled with relatively low income level of peasants and other reasons, China’s lack of effective demand for agriculture insurance situation is particularly serious. Recently, the majority of research on agriculture insurance focuses on qualitative aspect, only a few of regional empirical researches are care about the demand. Therefore, the analysis on the major factors which impact the demand for agriculture insurance in China’s less-developing regions from the perspective of regional differences is of great theoretical and practical significance.Based on the relevant theory of agriculture insurance and two hypotheses: "Rational Behavior People" and "The peasants are risk adverse" , this article proposes a theoretical model about the factors that influence peasants’ purchasing will for agricultural insurance, at the same time, it anticipates the influencing direction from the probably factors. This article analyze the factors which influence the purchasing will of agriculture insurance from the point view of the peasants with samples from major provinces of the questionnaires in less-developing regions of China. This article uses Multinomial Logistic Model to analyze, in order to study closer to reality, we use three categories of the dependent variable added in the setting of this classification "he will is not clear", adding three variables that have not been involved in previous studies: regional factors, an average annual loss and interpersonal expenditure. By empirical tests, we can conclude that: Firstly, the Government plays a vital role in advancing the process of agriculture insurance; Secondly, the publicity of agriculture insurance in our state is not enough; thirdly, regional difference is a significant impact in peasants will; Finally, the total income is an important factor which influences the will of farmers to buy agriculture insurance. Based on above research, drawing on international experience, we put forward suggestions to the development of China’s agriculture insurance, such as increasing the Government’s support for agriculture insurance, enhancing the insurance awareness of peasants, designing a variety of species of agriculture insurance in line with local conditions , improving total household income, and so on.

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CLC: > Economic > Fiscal, monetary > Insurance > China's insurance industry > Various types of insurance
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