When it is busy [Korea financial newspaper] soon, a spring is in the air in April in rural areas start planting. While the start of the planting of rice farmers would Hopefully I dont origin natural disasters (天災 地 變) in order to avoid a bountiful harvest in the fall. It is because of farming jeahmuri farmer if I enter a typhoon or heavy rain storms or droughts are driven once jieodo with all sincerity literally become "one year sober sandfish farming.
Like any other industry, agriculture started on the risk management. However, there is a risk that a significant difference maven affected by the natural elements. The quantity and quality of the products is extremely varied, depending on natural conditions and other weather factors. So farmers are then set up a number of measures to develop agricultural technology to overcome the uncertainty of natural conditions. Clean up the land so that the rice fields submerged in heavy rain and repair or install a rain forest plant irrigation drainage. He also tried to plant resistant varieties to choose a disaster or pests. However, it is realistic, despite these efforts, a major natural disaster comes along inevitable that the enormous damage caused.
We use a system of insurance to protect against the risks faced while engaged in everyday life. Risk management in agriculture also see that you can prepare most effectively through insurance. This is because it is right "crop disaster insurance".
Crop disaster insurance is insurance for introducing and operating institutionally by law for a typical insurance policy s one of the Castle, Castle insurance policy is the policy objectives of the government for the farmers. The government support such as support for the government insurance policyholders, business support expenses for insurance providers, national reinsurers provide for the huge disaster in their properties.
Crop disaster insurance was introduced, starting in 2001, apple, pear products according to crop disaster insurance by compensating for the economic loss of crop damage caused by natural disasters, such as to improve the stability of farmers' income and agricultural productivity. Current insurance coverage possible items were included almost 53 pieces main crop, and continually expand the target item to.
Disaster insurance is being compensated by the hurricane (winds), hail, torrential rain to the statue, cold weather, and natural disasters such as tidal year only fire. Guarantee scheme is to ensure a comprehensive approach to risk and specific risk assistants and all manner of natural disasters that guarantees only a few disasters that damage crops only, by the fire. Most of the crop to join in a comprehensive manner, but some risks, such as fruit and ginseng sense of apple, pear, persimmon, astringent and can subscribe to specific dangerous manner.
In the case that such a damage due to natural disasters or not the harvest is not decreasing arable crops payments it occurs and the inability to cultivate and harvest reduced insurance claims. Also agricultural facilities and the facilities such as glass greenhouses, greenhouses for growing crops, as well as the crop can be restored after the damage claims in its structure and cladding.
If the risk of the guarantee to the extent that farmers can ease the worry of large natural disasters itgetda be quite as strong insurance. Furthermore, to ease the burden of farmers insurance state support to 50% of the premium, and local governments have to support about 25% farmers are inside, only the remaining premiums.
Do natural disasters it is another one major concern of farmers is the price fluctuations of agricultural products. Not a natural disaster but a good harvest harvest when the prices of agricultural products to changing market conditions is also a big risk. Even before this, controlling the export shipments and to prevent respond perfectly to the changing market conditions farmers is difficult. To prepare for these risks, such as price changes are also introduced 'guaranteed income agricultural insurance. "
Agricultural income guarantee insurance guarantees a reduced income due to falling prices of harvesters to cope with price fluctuations are a big source of farm income fluctuations. Agriculture, Forestry, Animal Husbandry and Food and Agricultural Insurance was started in 2015 as a pilot project targets the grapes, beans, onions item. In 2016 it was added to the garlic has plans to introduce the potatoes and sweet potatoes this year.
The deal was insufficient, the market price risk of serious instability of agricultural management eoteuna existing crop disaster insurance and to secure losses due to reduced production substantially. Thus, up to and including the uncertainty of agricultural income guaranteed market prices by introducing the insurance would cost to build a comprehensive safety net that guarantees a reduction in farmers' income. The government and insurance companies will also continue to go to work with the efforts to improve the system and products while constantly expanding the target crop of agricultural income guarantee insurance.
While current and former increased volatility in global climate and frequent natural disasters and also the boundary of the area and the season becomes ambiguous, unlike the past. Korea also coming before the summer comes the storm was also a cold and heavy snow caused the island. And even earthquakes can appear as reality. Thus, there is a risk of damage caused by an unexpected natural disaster situation is being further increased.
On the other hand, the domestic is not a large natural disaster occurs, such as the last four years hurricane awareness of the need for insurance of farmers is much lower status. Farmers may be economically difficult reluctant to insured fails to realize the effectiveness of insurance expenditure not a big disaster. But as disaster preparedness natural disasters that are repeated periodically in such extreme weather events will need to be aware that the area of the autonomous responsibility of the person himself must take.
Natural disasters origin prefer to eagerly come, but we know that once a major disaster occurs on the period of the rule of thumb. Natural disasters can not overcome the human itself. If it does not provide a substantial effort and post-recovery measures to minimize the damage caused by disasters that damage is intact farmers no choice but to himself tteoan. It can only pray in heaven when planting as farmers must join the agricultural accident insurance can prepare themselves for natural disasters, the government and the insurance carriers also continue to promote the need to join the agricultural insurance and disaster induced to join up. Disaster Preparedness of the equation fix to lose more cattle stables is difficult. God helps those who help themselves.
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