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Rethinking crop risk management through insurance
[Vers une redéfinition du rôle de l'assurance agricole dans la gestion des risques sur récoltes]

Author

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  • Olivier Mahul

    (ESR - Unité de recherche d'Économie et Sociologie Rurales - INRA - Institut National de la Recherche Agronomique)

Abstract

Cet article examine les causes d'incapacité des compagnies d'assurance à proposer des garanties contre les risques sur récoltes répondant aux besoins des agriculteurs sans une intervention financière des pouvoirs publics. Deux raisons principales à cela : l'existence d'asymétries d'information et la corrélation des rendements individuels. L'efficacité des contrats d'assurance multirisque des rendements sur récoltes s'avère limitée lorsque les agriculteurs font aussi face à des prix incertains. L'assurance "revenu", qui garantit une recette minimum, apparaît alors comme une alternative prometteuse. Une redéfinition du rôle de l'assurance et des marchés financiers dans la gestion des risques agricoles devrait permettre de repousser les limites de leur assurabilité.

Suggested Citation

  • Olivier Mahul, 1998. "Rethinking crop risk management through insurance [Vers une redéfinition du rôle de l'assurance agricole dans la gestion des risques sur récoltes]," Post-Print hal-02697814, HAL.
    • Handle: RePEc:hal:journl:hal-02697814
    as

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