Em busca de um novo paradigma para o seguro rural no Brasil

The implementation of a crop insurance program is an old requirement of the agricultural sector. After the failure of the National Crop Insurance Company (CNSA), in the period of 1954 through 1966, the federal government started to stimulate the agricultural insurance market. Aiming increase the crop insurance operations the Government approved Law n. 10.823 which subsidize part of the premium paid by farmers. The nature of this work is essentially analytical, such that any quantitative model has been established. Over the years, government risk management tools, such as, Proagro and some private insurance companies have had unsatisfactory financial results suggesting that the current crop insurance model presents signals of decline. This article sho- ws the main initiatives, state and private, and suggests a set of measures to develop the agricultural insurance in the country.

农业部门推行农作物保险计划的诉求由来已久。1954年至1966年，国家农作物保险公司（National Crop Insurance Company, CNSA）破产后，联邦政府开始启动农业保险市场的提振工作。为扩大农作物保险业务体量，政府批准第10.823号法案，对农民所需缴纳的部分保费提供补贴。本研究以分析为核心导向，未构建任何量化模型。多年来，包括Proagro在内的政府风险管理工具，以及部分私营保险公司的财务业绩均未达预期，这一现状表明当前的农作物保险模式已显露衰退信号。本文梳理了该国公私领域的主要发展举措，并提出一系列推动本国农业保险发展的对策建议。