VARIETY INFLUENCE ON THE EFFECTIVENESS OF CROP INSURANCE WITH STATE SUPPORT
The article discusses the issues of agricultural crops varieties resistance in relation to various natural and climatic factors. The damage from the occurrence of emergencies in agricultural production is 95% of the damage arising in crop production. Therefore, crop insurance with state support has significant development potential, especially in regions with a dry, sharply continental climate (for example, in the Samara region). At the same time, the impulse associated with the Federal Law No. 260-FZ adoption was completely exhausted and in recent years there has been a decrease in the size (number of contracts concluded, insurance area covered by insurance, insurance amount, etc.) for crop insurance with state support. One of the reasons for this is the insurance rates high cost. To reduce it, it is proposed to introduce the concept of “crop yields sustainability ” and calculate the insurance rate depending on the productivity of a particular variety, shown for a long time in climatic conditions similar to farm conditions. To do this, you can use the array of data on crop yields of various varieties obtained by research institutes in the framework of the project “World Collection”. Negative deviations from the average yield with the same cultivation technology and soil parameters form the losses of the agricultural producer due to the biological characteristics of this variety and its response to the prevailing weather conditions. Thus, it is possible to adjust the amount of insurance payments, reducing them for those varieties that guarantee stable yield for the farms of a given territory.