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

محورهای موضوعی : 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)

تاریخ دریافت : 1399/03/13 تاریخ پذیرش : 1402/03/27 تاریخ انتشار : 1402/02/01

کلید واژه: تابع تولید, انتخاب نامناسب, بیمه کشاورزی, تابع تقاضا, مخاطرات اخلاقی,

چکیده مقاله :

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.

چکیده انگلیسی:

Social risks are another specific phenomenon in the agricultural sector. . In the present study, in order to identify ethical risks and adverse selection in Khorasan Razavi irrigated wheat insurance, a simultaneous equation system model . The sample size was determined by proportional sampling Collected. The results indicate that insured farming in warm-temperate and cold-temperate regions have not reduced inputs for production per unit area of wheat, indicating a lack of ethical risk in these areas. In contrast, the results from the cold zone show that the insured beneficiaries has reduced the consumption of inputs in the area, indicating a moral hazard in this area. Also, the results of the test of the hypothesis of constant returns to scale versus the decreasing or increasing return hypothesis for variable inputs show the absence of adverse selection. Therefore, it is suggested that appropriate training and extension classes be held for farmers in order to better understand the time and manner of using chemical fertilizers and the appropriate time for irrigation.

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