金融学院知识库

Agriculture forms the cornerstone of the national economy, where agricultural insurance plays a key role in sustaining consistent agricultural activities. However, because of a number of factors, we had to opt out the level of development of agricultural insurance varies from region to region. As an important grain producing area in China, although the overall development of agricultural insurance in Northeast China is good, the development difference of agricultural insurance within the region is becoming more and more prominent. Significant disparities in agricultural insurance development across the country could affect agricultural development to some extent and the effective implementation of the “three rural”policy. In view of this, in-depth exploration of regional differences and causes of agricultural insurance in Northeast China is holds great consequence in facilitating the advancement of agricultural insurance in this area to the track of high-quality development and realizing the coordinated and stable growth of agricultural economy.

This paper takes Northeast China as the main research object and studies the development level of agricultural insurance in order to coordinate the balanced development of agricultural insurance. Firstly, the development scale, penetration and development speed of agricultural insurance in Northeast China from 2012 to 2021 were selected, and the current situation was analyzed. The results show that there is a certain gap in the development of agricultural insurance in Northeast China. On this basis, according to the actual development of agricultural insurance in Northeast China, the entropy technique assesses the extent of agricultural development insurance across 33 city provinces, and cluster analysis was used to divide Northeast China into four regions according to the comprehensive score of agricultural insurance development level, and then the variation coefficient was used to measure the development difference of each region. In the empirical analysis part, six indicators of agricultural basic factors, policy support factors and insurance industry factors were selected to build a multiple linear regression model, and relevant data of agricultural development in Northeast China from 2012 to 2021 were used for regression. Studies have shown that the availability of affordable per capita income among rural residents, the depth of insurance rates paid for agricultural insurance and property insurance against agricultural interest rates have had a significant impact on the development of agricultural insurance in northeast China. The total output value of agriculture, forestry, animal husbandry and fishery and government financial revenue have a negative effect on the development of agricultural insurance in Northeast China, which is different from the development of agricultural insurance in other regions, so this paper further analyzes the reasons. Finally, based on the regression results, the paper puts forward practical development suggestions from the four aspects of agricultural foundation, insurance awareness, policy support and insurance industry development, and seeks to further improve the development level of agricultural insurance in Northeast China.