Яндекс.Метрика

THE AGRICULTURAL INSURANCE SYSTEM WITH STATE SUPPORT NEEDS TO ADJUST THE DEVELOPMENT VECTOR


DOI 10.33305/251-52

Issue № 1, 2025, article № 6, pages 52-64

Section: Economic mechanism of managing

Language: Russian

Original language title: СИСТЕМЕ СЕЛЬСКОХОЗЯЙСТВЕННОГО СТРАХОВАНИЯ С ГОСУДАРСТВЕННОЙ ПОДДЕРЖКОЙ ТРЕБУЕТСЯ КОРРЕКТИРОВКА ВЕКТОРА РАЗВИТИЯ

Keywords: AGRICULTURAL INSURANCE, STATE SUPPORT, CRITERIA FOR INSURANCE EVENTS, INDEPENDENT EXAMINATION, COERCION TO INSURANCE, INCOMPLETE CONTRACT, MUTUAL INSURANCE COMPANIES

Abstract: Despite the adoption of a special Law (No. 260-FZ) in 2011, the agricultural insurance system with state support is not developing effectively enough. Over the years, 10-13 kopecks of insurance claims have been paid per ruble of insurance premiums in the country as a whole, and only in recent years the payment rate has grown to 25-50 percent, which also cannot be considered normal. This became possible, since the "Rules for insurance (standard) of agricultural crops, planting of perennial plantings, carried out with state support," developed by the "National Union of Agricultural Insurers," allow insurance companies to dictate their conditions to agricultural producers, and the "independent" examination, the services of which are paid by the insurer, works in the interests of the employer. Under this situation, the crop insurance system functioned largely due to the coercion of farmers to conclude insurance contracts, since on the basis of Article 11 of Law No. 260-FZ it is allowed to link the amount of subsidies for various types of state support for agricultural producers with their crop insurance policy. This norm of the Law has been actively used for more than 10 years. The article proposes to immediately carry out the following measures: 1 differentiate the criteria for insurance events depending on the degree of risks that insurance companies undertake to cover; 2 to change the procedure for conducting an examination to determine insured events when insuring crop crops with state support, attracting for this purpose a specially created commission under the Government of the constituent entities of the Federation; 3 Remove article 11 from Act No. 260-FZ of 2011, thereby ending the practice of imposing crop insurance policies with State support by administrative methods. Taking into account the specifics of crop insurance, contracts (contracts) for which are incomplete, it is necessary to provide a mechanism for coordinating the interests of the insured and the insurer. To this end, in addition to improving the regulatory framework for agricultural insurance, it is proposed to create conditions for expanding the number of agricultural insurers through specialized insurance companies and mutual insurance companies.

Authors: Zadkov Aleksandr Pavlovich