Страхування ризиків іпотечного кредитування cільського господарства

Abstract

У статті досліджено страхування ризиків іпотечного кредитування сільського господарства. Доведено, що головна мета страхування ризиків іпотечного кредитування сільського господарства полягає в компенсації майнової шкоди урожаю, що виникла через вплив природно-кліматичних явищ. Проаналізовано ринок агрострахування та визначено основні тенденції розвитку.

The article deals with the risks insurance of mortgage lending to agriculture. It is proved that the main purpose risks insurance of mortgage lending to agriculture is to compensate for property damage caused by the impact of natural and climatic phenomena. The market of agro-insurance has been analyzed and the main trends of development are determined. It is determined that the problem of mortgage lending in agriculture is accompanied by risks associated with changing seasonal weather conditions and constantly changing legislation, therefore the issues of control and risk management of mortgage lending in agriculture and the necessity of its insurance are of vital importance. There is a limited access of agricultural enterprises to bank lending, which is associated with a number of objective and subjective factors, including: constant changes in the regulatory framework, unregulated exchange rate situation, seasonality of production. The analysis of agro insurance market during the analyzed period is done as well as the number of concluded insurance contracts monitoring , the insured area and collected premiums is carried out too. The conducted research results indicate that the source of financial and credit provision for sustainable agriculture development is the own and attracted funds, as well as state support to the agrarian sector of the economy. The composition and structure study of the of the agri-insurance market shows that there is a tendency to reduce the number of insurance contracts in agriculture.