نقش پروفیل ریسک محصولات زراعی در طراحی الگوی بیمه ای (مطالعه ی موردی عدس دیم استان خراسان شمالی)

Abstract

In this paper data were collected from 120 farmers in North Khorassan province for the two periods (2005-2007) in order to survey the role of rain-fed lentil risk profile for designing an insurance model. To evaluate looses of each risk, risk frequency, risk impact criteria’s as well as risk matrix were used. Results showed that low risk was the largest risk area. During study period, a decrease in risks diversity was not observed, and only the inputs price risk increased. Average rates of information, labor, production, price and credit risks were 30, 5.0, 4.5, 3.75 and 3.33%, respectively. Correlation between risk score and rain-fed lentil yield was positive (0.38). According to the results, developing a risk profile and use of risk profile in designing a revenue insurance model and coverage of risks and low-priced credit payments are suggested. Key words: Pulse, Revenue insurance, Risk, Risk matrix, Scoring