ИССЛЕДОВАНИЕ ТЕНДЕНЦИЙ РАЗВИТИЯ НЕСУБСИДИРУЕМОГО СТРАХОВАНИЯ СЕЛЬСКОХОЗЯЙСТВЕННЫХ РИСКОВ

Abstract

The relevance of the study of the development of the agricultural risk insurance system is connected with the formation of the organizational and economic mechanism for the sustainable development of the national agro-industrial complex, as one of the strategically important sectors of the economy. Insurance of agricultural risks reduces the impact of adverse weather and epizootic conditions, force majeure on the financial results of crop and livestock enterprises of the agro-industrial complex. At the same time, one of the important elements of the system is non-subsidized agricultural insurance. Having a relatively small share in the insurance services market, it still remains a sought-after type of insurance protection, both among small forms of business and among large agribusiness enterprises, possessing high variability of insurance products and conditions for concluding insurance contracts. Research on the development of unsubsidized agro-insurance is quite difficult due to the lack of continuous statistics. As a result, the analysis was based on a comparison of the dynamics of the general and relative parameters of the development of the agricultural risk insurance system. The proposed approach made it possible to allocate the share of subsidized agroinsurance and agroinsurance without state support to the total insurance market. The authors constructed and analyzed dynamic series of indicators characterizing the development of the agricultural insurance market as a whole. It was established that the values of the coefficient of insurance payments most demonstrate the effectiveness of agricultural insurance without state support. The need for this type of insurance is justified, especially at the stage of improving the regulatory and methodological base of agroinsurance with state support. An analysis of trends in the development of subsidized insurance of agricultural risks and agricultural insurance without state support in the context of the regions was carried out. Deterrents are disclosed and directions of development of unsubsidized type of agricultural insurance are determined.