Study on the Path of Enhancing Agricultural Insurance Consumption in the Context of Digital Innovation Through fsQCA Method

The current demand for agricultural insurance is insufficient and of low quality. And in the current context of digital innovation, a new market ecology has been created, alleviating the original problems of information asymmetry, low financial availability and high transaction costs. It provides new opportunities to increase consumption of agricultural insurance. To address the question of what combination of conditions can increase agricultural insurance consumption, we focus on six influencing factors of agricultural insurance consumption. The fuzzy set qualitative comparative analysis method is used to identify the group state paths that promote the increase of agricultural insurance consumption in the context of digital innovation. Through configuration analysis, we derive three paths to increase agricultural insurance consumption: autonomy-driven, internally and externally driven, and externally technology-assisted. On this basis, we then put forward relevant policy recommendations with a view to protecting the healthy development of the agricultural economy by increasing agricultural insurance consumption.