YE Minghua：Policy oriented Agricultural Insurance：From Policy Inducing to Autonomous Demand by Crop Producers

Abstract：Policy oriented agriculture insurance has been developing rapidly in China From another perspective, there are two causes of the development: one induced by crop producers demands of risk management is positive, the other driven by policies is negative Whether the cause of this development is positive or not decides the maturity of agricultural insurance Meanwhile, it is the key mark that indicates whether Chinas agricultural insurance is powerful Therefore, this research has sent out questionnaires to 585 crop producers in fourteen districts or counties selected in Jiangsu province, a major crop producing province in China, and has simulated the decisions of insurance purchasing through Pearson correlation analysis and BP neural network The result reveals that the insurance purchasing is decided by both positive and negative causes while the policy is still the main drive According to that, the innovation of insurance products should be connected with the promotion of crop producers risk perception and acceptation of insurance, in order to meet the diversified demands of different groups Meanwhile, agricultural insurance should be reconciled with measures of rural social security to realize the synergistic effect among rural financial instruments.

Key words： Policy oriented Agricultural Insurance    BP Neural Network    Policy Inducing    Demand Willingness

source:Finance & Trade Economics ,No.11,2015