IMPROVING THE EFFICIENCY OF INSURANCE OF AGRICULTURE'S RISKS

Issue № 1, 2015, article № 6, pages 45-50

Section: Program-target management of development of agricultural production

Language: Russian

Original language title: ПОВЫШЕНИЕ ЭФФЕКТИВНОСТИ СТРАХОВАНИЯ СЕЛЬСКОХОЗЯЙСТВЕННЫХ РИСКОВ

Keywords: AGRICULTURAL INSURANCE, RISKS, AGRICULTURE, STATE SUPPORT

Abstract: Agricultural production is one of attractive, and together with this risky type of business. In article foreign experience and domestic system of insurance of risks of agricultural producers is considered. In the majority of the developed countries the main model of agroinsurance is public-private partnership at which the private organizations are engaged in insurance, and the state is engaged in regulation of insurance system. It is possible to include all activity of the agricultural organizations in area of insurance: insurance of a crop or income; insurance on regional indicators or according to farms; insurance of capital assets. In Russia there are only two directions of agroinsurance today: insurance upon risk of loss (death) of a crop of crops, and also losses (death) of farm animals. It is necessary to develop new programs of agroinsurance that will allow to capture considerably bigger number of risks, and also to correlate programs of insurance to opportunities of agricultural producers. Synthesis of the best domestic and foreign practices of insurance in agriculture testifies that preventive measures in agriculture are more effective, than financial help which is given in adverse years.

Authors: Bakhshiev Emil Musarzaevich