تدوین بیمه عملکرد منطقه‏ای با استفاده از روش‏های پارامتریک آلترناتیو: مطالعه موردی گندم در استان آذربایجان شرقی

Subject Areas : Farm Management

محمد قهرمانزداه ¹ , حسین راحلی ² , طراوت عارف عشقی ³ , قادر دشتی ⁴

1 - داشنیار گروه اقتصاد کشاورزی، دانشگاه تبریز
2 - داشنیار گروه اقتصاد کشاورزی، دانشگاه تبریز
3 - دانش‏آموخته دکتری گروه اقتصاد کشاورزی، دانشگاه تبریز
4 - استاد گروه اقتصاد کشاورزی، دانشگاه تبریز

Received: 2016-06-11 Accepted : 2016-08-16 Published : 2017-09-01

Keywords: گندم, توزیع پارامتریک, نرخ حق بیمه, بیمه عملکرد منطقه&rlm, ای محصول,

Abstract :

در طراحی بیمه عملکرد منطقه‏ ای، سطح تعهد و نرخ حق بیمه، پارامترهای بسیار مهمی هستند که هر دوی آنها بستگی به توزیع عملکرد محصول دارند. از این­رو، الگوسازی دقیق توزیع عملکرد برای طراحی قراردادهای بیمه محصول ضروری می‏باشد. این پژوهش با استفاده از داده‏ های سری زمانی عملکرد گندم آبی و دیم در شهرستان‏های استان آذربایجان شرقی، به بررسی اثرات پنج توزیع پارامتریک آلترناتیو و تعیین حق بیمه عملکرد منطقه‏ای در دوره زمانی 1354 تا 1392 می‏پردازد. نتایج بدست آمده حاکی است که تقریباً در تمامی موارد، نرخ‏های حق بیمه برآورد شده با استفاده از توزیع‏ های آلترناتیو، به طور معنی ‏داری از یکدیگر متفاوتند و توزیع بتا به استثناء چند مورد که برای آنها توزیع ویبول توزیع مناسبتری است مناسب‏ترین توزیع می‏باشد. بنا بر نتایج بدست آمده، مقادیر حق بیمه برای گندم آبی از 246000 ریال در هر هکتار در سطح پوشش 65 درصد برای شهرستان میانه تا 460000 ریال در هر هکتار برای شهرستان تبریز تغییر می‏کند و برای گندم دیم، مقدار حق بیمه از 265000 ریال برای شهرستان تبریز تا 860000 ریال در هر هکتار برای شهرستان مراغه متغیر است. افزون بر این نتایج حاکی است که حق‏ بیمه‏ های محاسبه شده مقادیر کمتری نسبت به حق‏بیمه‏های سنتی دارند که برای بیمه ‏شونده و بیمه‏ گر قابل اجرا می‏باشند چرا که بیمه ‏شوندگان مبالغ حق‏ بیمه‏ کمتری را پرداخت می‏نمایند و از آنجا که در بیمه عملکرد منطقه­ ایی به ‏منظور محاسبه غرامت‏ها از روش‏های جدیدی استفاده می‏شود که دیگر نیازی به حضور در مزارع برای محاسبات میزان خسارت وجود ندارد، برای بیمه‏ گر نیز قابل استفاده است. 

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