CONTRADICTIONS OF THE MARKET OF AGRO INSURANCE WITH THE STATE SUPPORT

Issue № 9, 2017, article № 6, pages 44-48

Section: Problems of efficient management

Language: Russian

Original language title: ПРОТИВОРЕЧИЯ РЫНКА АГРОСТРАХОВАНИЯ С ГОСУДАРСТВЕННОЙ ПОДДЕРЖКОЙ

Keywords: AGRICULTURE, AGRO INSURANCE, STATE SUPPORT, INSURANCE OF A HARVEST, INSURANCE PREMIUMS, INSURANCE PAYMENTS, SOCIETIES OF MUTUAL INSURANCE, ALTAI KRAI

Abstract: The state support of insurance in agriculture allows regulating agro-industrial production effectively. In Russia agricultural insurance with the state support didn't become an effective measure of protection of property interests of agricultural producers, stabilization of their income and a financial state. A research objective is justification of the directions of improvement of agro insurance on the basis of identification of the main contradictions taking into account regional features. An assessment of agricultural insurance with the state support in Russia and Altai Krai is given; the reasons reducing efficiency of insurance in agriculture are established. The directions of improvement of insurance in agriculture with the state support are offered. At a research the system of contradictions of agro insurance in Russia and Altai Krai including connected with need of differentiation of insurance tariffs, the low insurance culture of insurers, asymmetry of information of the main subjects of the market, cost intensity of monitoring from insurers, complexity of initiation of risks in actual practice has been revealed. It interferes with the balanced realization of economic interests of insurers and insurers. In Altai Krai most large insurance companies refuse agro insurance in the territory of Altai Krai. The total area of the insured crops hasn't exceeded 3.1‰ of cultivated area of the region. The average level of insurance payments for 2013-2016 hasn't exceeded 28.7‰ of the sum of the got awards. The prospects of agro insurance are connected with more detailed differentiation of tariff rates, expansion of range of available unconditional franchises and values of the insured sums, stimulation of development of non-profit insurance cooperatives, societies of mutual insurance and other directions.

Authors: Bogoviz Aleksei Valentinovich, Vorobev Sergei Petrovich, Vorobeva Viktoriia Vladimirovna