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Ekonomika poljoprivrede
2018, vol. 65, br. 1, str. 215-228
jezik rada: engleski
vrsta rada: izvorni naučni članak
doi:10.5937/ekoPolj1801215M

Creative Commons License 4.0
Ekonomski i pravni aspekti osiguranja suncokreta korišćenjem modela regionalnog indeksa
University of Novi Sad, Faculty of Agriculture, Department of Agricultural Economics and Rural Sociology

e-adresa: todor.markovic@polj.edu.rs, veselinovic.janko@gmai

Projekat

Održiva poljoprivreda i ruralni razvoj u funkciji ostvarivanja strateških ciljeva Republike Srbije u okviru dunavskog regiona (MPNTR - 46006)
Društveni odnosi Srba i Hrvata, nacionalni identitet i manjinska prava sa aspekta evropskih integracija (MPNTR - 47024)

Sažetak

Primena indeksnog osiguranja u poljoprivredi postaje sve zastupljenija u poslednjih nekoliko godina, posebno u razvijenim zemljama. Indeksno osiguranje useva i plodova bazirano je na podacima vezanim za određenu administrativnu jedinicu ili region. Regionalni indeks predstavlja prosečan prinos ili prosečnu vrednost proizvodnje u nekom regionu koji predstavlja osnovu za izračunavanje premije i naknade iz osiguranja. Na primeru proizvodnje suncokreta, kao jednog od najzastupljenijih useva u regionu opštine Kula, autori prikazuju metodologiju primene analiziranog sistema osiguranja. Kao osnovne prednosti ovog modela osiguranja mogu se navesti činjenice da ne postoji potreba za procenom štete, kao i drastično smanjenje moral-hazarda. Navedeni model osiguranja može predstavljati značajnu alternativu klasičnom osiguranju i njegova primena bi trebala da rezultira povećanjem broja osiguranika i osiguranih površina. Prethodno je potrebno otkloniti potencijalne pravne nedoumice oko primene ovog modela osiguranja u Srbiji i preciznije definisati neke pravne institute u ovoj oblasti.

Ključne reči

osiguranje; regionalni indeks; suncokret; procena štete; moral-hazard

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