미국 작물보험의 확대과정과 시사점 } : 한국농촌경제연구원

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연구보고서

미국 작물보험의 확대과정과 시사점

2006.12.01 36963

과제성격

연구자료(D217)
저자

최경환
등록일

2006.12.01
연구주제

농촌사회및복지.

원문보기 좋아요

제1장 서론 1
제2장 미국 작물보험의 발전과정 3
제3장 미국 작물보험의 현황
1. 농업보험의 사업실적 12
2. 농업보험 관련 재정부담 상황 15
3. 보험료 할인 계획 20
4. 시험사업(Pilot Program) 21
5. 농업보험과 정부지불의 관계 22
제4장 1990년대 중반 미국의 작물보험 확대 과정
1. 연도별 작물보험 확대 실태 23
2. 농업보험 시험사업의 발전(1995～2003) 28
3. 타당성 검토, 개발 및 평가 사업 34
4. FCIC의 보험 확대 노력 53
제5장 미국 작물보험 확대의 시사점
1. 농업보험을 농업위험관리의 주요 수단으로 57
2. 모든 작목을 검토 대상으로 57
3. 다양한 형태의 보험 상품을 개발 58
4. 민간업체들을 활용 58
5. 보험 확대의 단계적 접근 59
6. 지속적인 연구·개발 추진 61
7. 위험관리 교육의 강조 61
8. 정부의 적극적 관여 61
제6장 결론
1. 요약 63
2. 정책 제언 66
부표 69
부록. 작목별 타당성 검토 보고서 요약 75
Abstract 183
표차례 185
참고문헌 186

요약문

ㅇ The main purposes of this report are to review the expansion of crop insurance programs in the U.S. since 1938 and to investigate its implications to our country which has been implementing crop insurance from 2001. Especially, this report has focused on the development progress of the mid 1990s in which many programs had been developed in the U.S.
ㅇ From the U.S. experience of crop insurance, we can derive some policy implications as the following:
- The U.S. government had given a greater weight on the crop insurance (including revenue insurance programs) among agricultural risk management policies supporting farmers facing several risks.
- All crops were included in conducting a feasibility study before proceeding to the next process on the basis of the study.
- Various insurance programs were developed and implemented for crops. The programs consisted of yield guaranteed, revenue guaranteed, and asset guaranteed ones.
- From the late 1990s, many entities (especially private insurance companies) have been participating in the research and development of insurance programs under the support of the government.
- The development process of crop insurance programs usually includes a feasibility study, program development, a pilot program, and evaluation and regulation. Generally, the normal process takes about 7.5～10 years. Through a step-by-step process, they aim to minimize unexpected errors.
- In addition to the development of new programs, current programs have been improved through continued R & D investment.
- Also, the Risk Management Agency (RMA), which is authorized to manage federal crop insurance, has been strengthening risk management education to help farmers deal with various risks during farming.
- Finally, the government has been substantially intervening in the maintenance and expansion of crop insurance. It has subsidized farmers' premiums, assumed reinsurance, supported operating costs for private insurance companies, and reimbursed R & D expenses.
Researcher : Kyeong-Hwan Choi
E-mail Address : kyeong@krei.re.kr