Determinanty popytu na ubezpieczenia indeksowe w rolnictwie w świetle badań

• Autorzy: Monika Kaczała

Warianty tytułu

Factors Determining the Demand for Index-Based Crop Insurance

• Języki publikacji: PL

Abstrakty

Celem niniejszego artykułu jest identyfikacja czynników determinujących popyt na ubezpieczenia indeksowe w rolnictwie. Z przeprowadzonych badań literaturowych dotyczących produktów indeksowych dla rolników w krajach rozwijających się i w Polsce wynika, że nie tylko czynniki cenowe (poziom składki i dopłaty do niej, dostęp do kredytu), ale także pozacenowe (ograniczenia w zakresie płynności, zaufanie do instytucji i do produktu ubezpieczeniowego oraz historia odszkodowawcza) mają kluczowe znaczenie dla decyzji o kupnie. Ustalenia te są istotne nie tylko dla zwiększenia skali stosowania ubezpieczeń indeksowych w krajach rozwijających się, ale także dla rynku europejskiego, gdzie w ramach Wspólnej Polityki Rolnej UE określonej na lata 2014-2020 po raz pierwszy zezwolono na dofinansowywanie produktów ubezpieczeniowych opartych na indeksach. (abstrakt oryginalny)

EN

The main aim of this study is to identify factors determining the demand for index-based crop insurance. A systematic search of published and unpublished material relevant to demand for index insurance in developing countries and Poland has been conducted. It has been found that not only price factors (the premium level, subsidy vouchers or credit constrains) but also non-pricing factors (liquidity constraints, trust and financial literacy) could affect the demand significantly. These findings are relevant not only for scaling-up the index programs in developing countries, but also to the EU, where within the Common Agricultural Policy for 2014-2020, subsidies of index insurance have been allowed for the first time. (original abstract)

Słowa kluczowe

PL

Ubezpieczenia rolnicze; Popyt; Rolnictwo

EN

Agriculture insurance; Demand; Agriculture

• Czasopismo: Ruch Prawniczy, Ekonomiczny i Socjologiczny
• Rocznik: 2017
• Numer: nr 2
• Strony: 177--190

Twórcy

autor

Monika Kaczała

• Uniwersytet Ekonomiczny w Poznaniu

Bibliografia

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Identyfikatory

DOI

10.14746/rpeis.2017.79.2.14