Modern problems of agricultural insurance with state support
The article considers the system of agricultural insurance with state support in the Russian Federation. The following negative trends in the field of subsidized agricultural insurance were revealed: insufficient level of insured agricultural risks in crop production, reduction of government support, difficulties for agricultural producers in obtaining insurance claims, as well as a significant excess of government insurance subsidies over insurance claims paid. It was determined that the reason for the sharp decline in the volume of agricultural insurance was the introduction of a «single subsidy», which also included subsidies for insurance of agricultural risks. On the positive side, the recovery growth of the agricultural risks insurance market, which fully fell on the second half of 2018, should be noted. According to the results of the study, conclusions were drawn on the need to introduce measures, the implementation of which will make agricultural insurance a popular risk management tool in the agricultural sector. In particular, since 2019, the principle of the distribution of «single subsidy» funds has been changing, the promotion of agricultural insurance has been announced in the framework of providing subsidies and introducing new products, such as monorisk insurance.