СТИМУЛИРОВАНИЕ АГРОПРЕДПРИЯТИЙ К АГРОСТРАХОВАНИЮ С ГОСПОДДЕРЖКОЙ В УСЛОВИЯХ ЦИФРОВИЗАЦИИ СЕЛЬСКОГО ХОЗЯЙСТВА

Abstract

Considering development of the agroinsurance market, the author focuses attention to its potential opportunities taking into account increased pandemic situation. Economic consequences of Covid19 and measures undertaken by the state change methods of management of agrobusiness, the accelerated rates carry out transition to digitalization. In this connection in article the variation of application of digitalization in agroinsurance as stimulation of the agroenterprises to the conclusion of agricultural contracts with the state support is considered, the international experience of eco- systems of the insurance market is presented and the prospects of development of digital agroinsurance taking into account potential opportunities of participants of the agroinsurance market are considered, the main aspects of development of model of digital agroinsurance with the state support are proposed, offers on transformation of the operating agroinsurance system concerning index insurance products for the agroenterprises are given. Processes of digitalization in agroinsurance are connected with the Digital Agriculture project which implementation the Ministry of Agriculture of the Russian Federation began in 2019 that represents the practical importance for increase in coverage agroinsurance of the domestic agroenterprises. The model of digital agroinsurance proposed in article is offered to consideration by the author on the example of the Blockchain platform with participation of the state and insurance community which will allow agroinsurers to develop products ta- king into account features and needs of regions, and for landowners to make insurance moreconvenient and attractive. The model means use of space monitoring and remote customer service at all stages: conclusion and supportof the contract of agricultural insurance, settlement of a loss.