Uma digressão sobre o programa de subvenção ao prêmio do seguro rural e as implicações para o futuro deste mercado

Abstract

Nos últimos anos, o governo federal tem incentivado o mercado de seguro rural por meio de medidas pontuais que visam o aumento da demanda e o estabelecimento de condições adequadas para as seguradoras ofertarem seus produtos. Uma dessas medidas foi o Programa de Subvenção ao Prêmio do Seguro Rural (PSP), que apresentou grande crescimento desde 2005, quando o programa começou. Entretanto, este crescimento tem se concentrado apenas no estado do Paraná. O artigo mostra que o entrave para expandir o seguro rural para outros estados não se restringe apenas ao risco relativo, mas à inexistência de uma base consolidada de dados nos municípios analisados.<br>Over the last years, the federal government has been stimulating the crop insurance market through a few measures that aim to increase the demand and support insurance companies to offer their products. One of these measures was the Insurance Premium Subsidy Program (PSP) that registered an increase since the beginning of the program. However, this expressive growth has been concentrating only in the Paraná state. This article states that one of the main obstacles to expand the agricultural insurance to other states is not restricted only to the relative risk, but to the inexistence of a consolidated database in several cities

Determinants of agricultural insurance adoption: evidence from farmers in the state of São Paulo, Brazil

“…The analyses that exclusively involve rural insurance in Brazil generally discuss the importance of rural insurance (Fornazier, Souza & Ponciano, 2012), the evolution of the different programs adopted, an evaluation of their performance (Macedo, Pacheco & Santo, 2013;Ozaki, 2007Ozaki, , 2008Ozaki, , 2010Santos et al, 2013) and the potential and challenges present in the rural insurance market (Buainain & Vieira, 2011). Ramos Franca & Angelo (2010) observed the low use rural insurance among producers in the state of São Pauloonly 2.2% of agricultural area was insured in 2007 and 4.6% in 2008.…”

“…If we consider preliminary data from the Agricultural Census (Instituto Brasileiro de Geografia e Estatística -IBGE, 2017), which indicates the existence of approximately five million rural establishments in Brazil, we find that the portion of establishments using rural insurance is very limited. This low adoption of rural insurance could be explained by various factors, including the availability or continuity of government budget resources for this subsidized program (Medeiros, 2013;Santos, Sousa & Alvarenga, 2013) and high transaction costs due to information asymmetry and problems of adverse selection (Buainain & Vieira, 2011;Ozaki, 2007Ozaki, , 2008Ozaki, , 2010.…”

The Impact of the PSR Rural Insurance Program on the Agricultural Productivity in the Matopiba Region of Brazil

“…In Brazil, rural insurance programs have played an important role in the risk management of agricultural products in several countries (Ozaki, 2010), mainly with government support, through subsidies, thus leading to a greater participation of producers in the respective programs (Ozaki, 2007).…”

“…More recently, the Rural Insurance Premium Subsidy Program (Programa de Subvenç ão ao Prê mio do Seguro Rural -PSR) was established in 2003, with the objective of promoting access to rural insurance, aiming at greater income stability for the producer, encouraging the use and adoption of new technologies in production, as well as modernizing agricultural management (Ferreira and Ferreira, 2009). Ozaki (2010) sought to analyze the growth of the PSR Subsidy Program in Brazil. The author concluded that, despite the expansion of the program, it concentrated on the State of Paraná , thus suggesting that the state has a lower risk than other soybean producing states.…”

“…In this sense, agricultural insurance is able to create stability in the business environment, in order to reduce the risk of adverse events and to avoid fluctuations around productive investment. (Note 2) (Ozaki, 2007(Ozaki, , 2010. The producer to be insured seeks a financial intermediary that makes minimum production guarantee parameters feasible in the event of…”