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2015, vol. 62, br. 3, str. 705-722
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Mogućnosti poljoprivredne proizvodnje i njihov uticaj na premiju osiguranja
Potential of agricultural production and its impact on insurance premiums
aUniverzitet u Novom Sadu, Ekonomski fakultet, Subotica, Srbija bNezavisni univerzitet Banja Luka, Ekonomski fakultet, Republika Srpska, BiH cInstitut ekonomskih nauka, Beograd, Srbija
e-adresa: birovljevj@ef.uns.ac.rs, zv@inbajmok.com, mladenka.balaban@ien.bg.ac
Sažetak
Proizvodnja hrane u svetu postaje izuzetno važna i zadobija značaj u poređenju s drugim aktivnostima. Kako broj stanovnika na planeti raste, proizvodnja hrane sve će više zadobijati na značaju. Na nju će u ubudućnosti zacelo uticati klimatske promene, a to će biti praćeno i promenama u osiguravajućem pokriću. Za zemlje u razvoju je osobeno što se obradivo zemljište ne koristi na pravi način i što je osiguravajuća zaštita za useve takođe nerazvijena. Za Srbiju, koja pripada skupini zemalja u kojima se ostvaruju niski prinosi poljoprivrednih useva, možemo istaći da se osiguranjem ne pokriva zadovoljavajući deo obradivih površina. Razlog za to leži u nepoverenju mogućih osiguranika, niskoj svesti o osiguranju kod stanovnika, privrednoj politici koja se sprovodi po tom pitanju, neodgovarajućoj obuci zastupnika osiguranja i nedostatku primerenih osiguravajućih usluga.
Abstract
Food production is becoming very important and it receives priority in relation to other activities in the world. As the number of inhabitants of the planet grows, food production has greater significance. Its production will certainly be affected by climate changes and the potential of agricultural land, which will be followed by changes in insurance cover of crops. Total area of arable land doesn't have the same quality, but it's especially common for underdeveloped and developing countries is that arable land is not used in the appropriate percent. For Serbia which belongs to that group of countries with low yield on arable land, it can be pointed out that insurance does not cover a sufficient share of that area. The reason for this lies in the lack of trust of potential insured, habits and consciousness of the insured, economic policy pursued by the state in relation to this issue, inadequate training of insurance agents and the lack of proper insurance products.
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