شناسایی مخاطرات اخلاقی و انتخاب نامناسب در بیمه گندم آبی استان خراسان رضوی

الموضوعات : فصلنامه علمی -پژوهشی تحقیقات اقتصاد کشاورزی

ارش دوراندیش ¹ (دانشیار گروه اقتصاد کشاورزی، دانشکده کشاورزی، دانشگاه تهران، تهران، ایران)
سارا کارگر ² (دانش آموخته کارشناسی ارشد گروه اقتصاد کشاورزی، دانشکده کشاورزی، دانشگاه فردوسی مشهد، مشهد، ایران)
محمد قربانی ³ (استاد گروه اقتصاد کشاورزی، دانشکده کشاورزی، دانشگاه فردوسی مشهد، مشهد، ایران)

تاريخ الإرسال : 10 الثلاثاء , شوال, 1441 تاريخ التأكيد : 28 السبت , ذو القعدة, 1444 تاريخ الإصدار : 01 الجمعة , شوال, 1444

الکلمات المفتاحية: تابع تولید, انتخاب نامناسب, بیمه کشاورزی, تابع تقاضا, مخاطرات اخلاقی,

ملخص المقالة :

ریسک‌های اجتماعی پدیده خاص دیگری از ریسک‌های موجود در حوزه کشاورزی هستند. در تحقیق حاضر به منظور شناسایی مخاطرات اخلاقی و انتخاب نامناسب در بیمه گندم آبی در استان خراسان رضوی، از مدل سیستم معادلات همزمان استفاده گردید. نمونه با استفاده از نمونه‌گیری تناسبی 143 گندمکار بیمه شده و بیمه نشده در سال زراعی 1398-1397 در با اقلیم‌های سرد، معتدل سرد و معتدل گرم جمع‌آوری گردید. نتایج تحقیق بیانگر آن می‌باشد که بهره‌برداران بیمه شده در نواحی معتدل گرم و معتدل سرد، مصرف نهاده‌ها برای تولید در واحد سطح گندم را کاهش نداده‌اند که این مساله می‌تواند بیانگر عدم وجود مخاطره اخلاقی در این نواحی باشد. در مقابل نتایج بدست آمده از اقلیم سرد نشان می‌دهد که بهره برداران بیمه شده در این ناحیه، از مصرف نهاده‌های تولید کاسته‌اند که وجود مخاطره اخلاقی در این ناحیه را نشان می‌دهد. همچنین نتایج آزمون فرضیه بازده ثابت نسبت به مقیاس در مقابل فرضیه بازده افزایشی یا کاهشی نسبت به مقیاس برای نهاده‌های متغیر، عدم وجود انتخاب نامناسب را نشان می‌دهد.

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