정책 지원과 할인·할증 적용이 농작물재해보험 가입률에 미치는 영향 시뮬레이션 분석

• 영문명: A simulation analysis of the effects of government policy and changing discount and surcharge rate on the crop insurance purchase rate: Focusing on the rice farm
• 발행기관: 한국농업경제학회
• 저자명: 남경수(Kyungsoo Nam) 안병일(Byeong-il Ahn)
• 간행물 정보: 『농업경제연구』농업경제연구 62권 4호, 79~99쪽, 전체 21쪽
• 주제분류: 경제경영 > 경제학
• 파일형태: PDF
• 발행일자: 2021.12.30

영문 초록

In this study, the most effective policy direction is proposed by comparing the simulation results on the change in farmers crop insurance purchase rate. We set the base scenario reflecting the current level of crop insurance purchase rate under adverse selection and evaluate the effect of additional policies through Monte Carlo simulations. As a result of the analysis, the most influential policy is identified to be lowering the surcharge rate. Decreasing the surcharge rate is expected to increase the likelihood of moral hazard and adverse selection. This causes a loss of insurance company in the mid-term. On the other hand, policy that provides an additional discount of insurance premium to low-risk farms have relatively low effectiveness in the short-term. However, this policy is expected to increase the insurance purchase rate of a low-risk farm, thereby reducing a loss of insurance company. This will lower insurance premium for crop insurance in the mid-term.

목차

Ⅰ. 서 론

Ⅱ. 이론적 검토

Ⅲ. 시뮬레이션 설정

Ⅳ. 시뮬레이션 분석결과

Ⅴ. 요약 및 결론

참고문헌

키워드

Crop insurance Insurance purchase rate Insurance premium discount and surcharge rate Monte Carlo simulations