Field Survey on Policy-oriented Crop Insurance from Farmers' Perspective——Taking 566 Households' Questionnaires in Hunan Province for Example

Based on the 566 households' questionnaires,policy-oriented crop insurance is investigated in Hunan province in order to provide valuable references for the implementation of agricultunal insurance.Survey results show that protection level of rice and cotton insurance is low,which is less than the basic production cost,the main reasons that farmers do not purchase agricultural insurance are incomprehension about this policy and suspicion about indemnity and the average premium rate that farmers are willing to pay is 2.6%～3.0%.Some suggestions are put forward:strengthen rural infrastructure construction and the ability of resisting agricultural risk;design reasonable and variable insurance products combining with farmers' needs and willingness to pay;raise farmers' revenue and improve insurance knowledge education;strengthen publicity about agricultural insurance and guarantee good government credibility.