بررسی عوامل موثر بر پذیرش بیمه آب‌وهوا محور توسط باغداران پرتقال شهرستان داراب
الموضوعات :
فصلنامه علمی -پژوهشی تحقیقات اقتصاد کشاورزی
فاطمه علیجانی
1
,
شاهرخ شجری
2
,
آسیه منتظری
3
,
مهرداد باقری
4
1 - عضو هیات علمی دانشگاه پیانور
2 - دانشیار اقتصاد کشاورزی، سازمان تحقیقات، آموزش و ترویج کشاورزی
3 - دانشجوی اقتصاد کشاورزی، دانشگاه پیام نو تهران
4 - استادیار اقتصاد کشاورزی، دانشگاه پیام نور تهران
تاريخ الإرسال : 06 الجمعة , ذو الحجة, 1442
تاريخ التأكيد : 02 الثلاثاء , ربيع الثاني, 1445
تاريخ الإصدار : 09 الأحد , رجب, 1445
الکلمات المفتاحية:
شهرستان داراب,
آزمون انتخاب,
پرتقال,
بیمه آب و هوا محور,
ملخص المقالة :
مقدمه و هدف: بیمه کشاورزی یکی از مهمترین سازوکارهای ایجاد سرمایه گذاری و کاهش اثرات بلایای طبیعی است. یکی از انواع بیمه های مدرن بیمه مبتنی بر شاخص های آب هوایی است که بر اساس پارامترهای اقلیمی هر منطقه طراحی شده است.
مواد و روش‌ها: در این تحقیق عوامل موثر بر پذیرش طرح بیمه شاخص آب و هوا محور پیشنهادی توسط باغداران شهرستان داراب با استفاده از مدل آزمون انتخاب بررسی شد. چهار ویژگی بیمه شاخص اآب و هوا محور شامل تعداد شاخص های اقلیمی تحت پوشش، نوع پرتقال، نحوه پرداخت و حق بیمه در هکتار بود.
یافته‌ها: در صورتی که طرح بیمه برای محصول والنسیا و پرداخت حق بیمه به صورت قسطی باشد، و از سوی دیگر اگر طرح شامل تعداد بیشتری شاخص آب و هوایی باشد، احتمال مشارکت باغداران بیشتر می‌شود. ویژگی تعداد شاخص (سه شاخص) و نوع پرتقال (والنسیا) به ترتیب با 93112 و 24425 تومان بیشترین تمایل به پرداخت را در میان ویژگی‌های مختلف دارند.
بحث و نتیجه‌گیری: بر اساس نتایج، پیشنهاد می شود صندوق بیمه کشاورزی ضمن در نظر گرفتن ویژگی های مهم طرح بیمه شاخص اقلیم (تعداد شاخص ها، نحوه پرداخت و نوع پرتقال)، اطلاعات کاملی را در اختیار باغداران قرار دهد تا مشارکت باغداران در این طرح افزایش یابد.
. طبقه بندی JEL: .G22, C25
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