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Osiguranje Vinograda Kao Jedan Od Načina Upravljanja Rizikom – Istraživanje Percepcija Istarskih Vinogradara

Author

Listed:
  • Ivana Rašić

    (Ekonomski institut, Zagreb)

  • Željka Kordej-De Villa

    (Ekonomski institut, Zagreb)

  • Maja Vehovec

    (Sveučilište u Rijeci, Rijeka)

Abstract

U fokusu ovog rada analiza je osiguranja vinograda. Iako postoje tehnološki načini zaštite vinograda od elementarnih nepogoda, koji su u određenoj mjeri i učinkoviti, osiguranje i nadoknada štete još uvijek jedan je od značajnih instrumenata upravljanja rizikom. Tržište poljoprivrednog osiguranja, u Hrvatskoj je nedovoljno razvijeno. Broj zaključenih ugovora poljoprivrednog osiguranja u Hrvatskoj posljednjih godina ipak raste i to uglavnom kao posljedica češćih pojava intenzivnih elementarnih nepogoda, a proračunska sredstva namijenjena za naknadu šteta od elementarnih nepogoda su nedostatna. Cilj rada je ispitati razvijenost tržišta poljoprivrednog osiguranja u Hrvatskoj i ispitati percepcije vinogradara – vinara vezane uz korištenje osiguranja kao instrumenta za upravljanje rizikom u vinogradarstvu. Percepcije vinogradara o korištenju osiguranja kao instrumenta upravljanja rizikom ispitane su anketnim istraživanjem vinogradara u Istri. Rezultati anketnog istraživanja upotpunjeni su i rezultatima intervjua izabranih osiguravajućih društava. Rezultati ankete vinogradara i intervjui osiguravajućih društava pokazuju da se osiguranje vinograda kao instrument za upravljanje rizikom u poljoprivredi ne koristi u dovoljnoj mjeri. Pritom, osiguravajuća društva ocjenjuju da u Hrvatskoj postoji potražnja za poljoprivrednim osiguranjem, ali da je ona nedovoljna i neproporcionalna broju i veličini nasada.

Suggested Citation

  • Ivana Rašić & Željka Kordej-De Villa & Maja Vehovec, 2022. "Osiguranje Vinograda Kao Jedan Od Načina Upravljanja Rizikom – Istraživanje Percepcija Istarskih Vinogradara," Ekonomski pregled, Hrvatsko društvo ekonomista (Croatian Society of Economists), vol. 73(2), pages 240-276.
    • Handle: RePEc:hde:epregl:v:73:y:2022:i:2:p:240-276
    DOI: 10.32910/ep.73.2.4
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    Keywords

    osiguranje poljoprivrede; osiguravajuća društva; Istra; ekstremni vremenski uvjeti; rizik; vinograd;
    All these keywords.

    JEL classification:

    • Q13 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Agriculture - - - Agricultural Markets and Marketing; Cooperatives; Agribusiness
    • Q12 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Agriculture - - - Micro Analysis of Farm Firms, Farm Households, and Farm Input Markets
    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies

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