Nghiên cứu nhu cầu bảo hiểm nông nghiệp của hộ nông dân chăn nuôi bò thịt trên địa bàn xã Phú Nhuận, huyện Như Thanh, tỉnh Thanh Hóa
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-Bs,,:)*2.0`*,B3/-B*.6•2d*21;g*,4I`*-Bs,,:)*5,BI,4B*9,,.G-BI.-X
BQ-Bs,,:)*,<1?B./4*.PA1B*O/,),4,4B*9VT”lM15/Q?8<M1=*,B?>-E-BQ
?21,4+Y-p,4zV,B*J:=BX=Bs,5B.*8<-),4?E-PA1B*O/-BI.VBE??2*O,TBC/
;<10X,4I`*Mq,-BI.P*>?0>,B.G=B),4@:.,?q/0>,PA1B*O/5B.G-BI.0d8H-
0O?B./4*.PA1B*O/TFG?BH-?2b,4PA1B*O/-d.-E-BQ,),4Mq,-Bs,,:)*Pp
?BS?,BI?B>,<1žB:-m:?B./4*.PA1B*O/-d.-E-BQ,),4Mq,-Bs,,:)*Pp?BS?
12
Trường Đại học Nông nghiệp Hà Nội - Luận văn thạc sĩ khoa học kinh tế 12
12
,BI?B>,<1žBk,4G>:?7,<1A,BBI{,40>,,B:-m:?B./4*.PA1B*O/-d.-E-
BQ,),4Mq,-Bs,,:)*Pp?BS?ž*A*VBEV,<1,B3/?s,4-I`,4?€89-E-BQ,),4
Mq,?B./4*.PA1B*O/-Bs,,:)*Pp?BS?T
!:c?VBE??‡,Bk,4;c,0J?2C,5-BU,4?)*?*>,B<,B,4B*C,-D:0J?<*ˆ
ƒ4B*C,-D:,B:-m:PA1B*O/,),4,4B*9V-d.BQ,),4Mq,-Bs,,:)*Pp?BS??2C,
0S.P<,+YBUB:F,5B:G9,BIB.,B5?],BB.,BX.„8</0J?<*?7?,4B*9V
-d./a,BT
}Te•
4;2;4CPQ)#Q#%
2C,-Z6{,4B*C,-D:?BH-?2b,4,B:-m:PA1B*O/-d.-E-BQ,),4Mq,
-Bs,,:)*Pp?BS?+YBUB:F,5B:G9,BIB.,B5?],BB.,BX.Š?‡0X0J+:c?
/Q?674*A*VBEV,B3/0EVD,4,B:-m:?B./4*.PA1B*O/-d.-E-BQ,),4Mq,
-Bs,,:)*Pp?BS??b*0S.VBIZ,4T
4;2;2CPQ)#QP)R
(1) 9?B7,4BX.-Z6{8l8:F,;<?BH-?*‰,;J,B:-m:PA1B*O/-d.-E-BQ
,),4Mq,-Bs,,:)*Pp?BS?Š
(2) E,B4*E?BH-?2b,4,B:-m:PA1B*O/-d.-E-BQ,),4Mq,-Bs,,:)*Pp?BS?
?2C,0S.P<,+YBUB:F,5B:G9,BIB.,B5?],BB.,BX.Š
(3) Bq,?[-B-E-G>:?7A,BBI{,40>,,B:-m:?B./4*.PA1B*O/-d.-E-BQ
,),4Mq,-Bs,,:)*Pp?BS?Š
(4) J+:c?/Q?674*A*VBEV,B3/0EVD,4,B:-m:?B./4*.PA1B*O/-d.-E-
BQ,),4Mq,-Bs,,:)*Pp?BS??2C,0S.P<,+YBUB:F,5B:G9,BIB.,B5
?],BB.,BX.T
}TfŸ&
7*?IK,4,4B*C,-d.0J?<*8<-E-BQ,),4Mq,-X,B:-m:PA1B*O/,),4,4B*9V
-Bs,,:)*Pp?BS??2C,0S.P<,+YBUB:F,5B:G9,BIB.,B5?],BB.,BX.
E--Z@:.,-BD-,s,4-X8*C,@:.,Ž-Z@:.,-B[,B@:GJ,5-E-),4?GA1
B*O/?2C,0S.P<,-XMS-B;NA1B*O/,),4,4B*9V-B1Pp?BS?T•
13
Trường Đại học Nông nghiệp Hà Nội - Luận văn thạc sĩ khoa học kinh tế 13
13
}Tw¡
4;S;4*TU8#%
4B*C,-D:-E-;c,0J8*C,@:.,0>,,B:-m:PA1B*O/,),4,4B*9V-Bs,
,:)*Pp?BS?-d.-E-BQ,),4Mq,T1=B:),=Bx?B`*4*.,-B1,C,6œ-B]?FV?2:,4
,4B*C,-D:;<18¢,B;H-A1B*O/,),4,4B*9VT
4;S;2*T/V%%1
4B*C,-D:0IK-?BH-B*9,?b*+YBUB:F,5B:G9,BIB.,B5?],BB.,BX.T
4;S;W*TX)Y%1
yB`*4*.,,4B*C,-D:0J?<*ˆJ?<*?B:,BFV?B),4?*,678*9:678*9:?BD
-cV?‡e~}e0>,,s/e~}wT
yB`*4*.,?BH-B*9,0J?<*ˆ0J?<*0IK-?BH-B*9,?‡,4<G}w…}…e~}‚0>,
,4<G}•…•…e~}‚T
14
Trường Đại học Nông nghiệp Hà Nội - Luận văn thạc sĩ khoa học kinh tế 14
14
M2;"H:Z[\" "]>=
eT}£h¤”¥”$
2;4;4"^Q/^_TQ0`a#1
2.1.1.1 Khái niệm về nhu cầu
B:-m:0IK-+Œ/,BI/Q?=BE*,*9/?c?G>:?21,4-:Q-67,4-d.-1,
,4I`*5{?21,4/¦*B1<,-A,B=BE-,B.:5,Bk,40*J:=*9,=BE-,B.:5,Bk,4-1,
,4I`*=BE-,B.:?Ba,B:-m:0IK-/1,4/:7,=BE-,B.:TBI,4,Ba,-B:,4?c?-A
/R*,B:-m:0J:BIg,4?g*?[,BB1<,?B*9,-B1PA,?Bq,T:G,B*C,5-X,Bk,4,B:
-m:-X=BA,s,40EVD,40IK-;<-X,Bk,4,B:-m:?Ba=B),4T¦*-1,,4I`*6œ-X
-E-B0O8</?Bo./Y,,B:-m:?BŒ1-E-B2*C,4-d./a,BT*9,,.G-X2c?,B*J:@:.,
,*9/;<-E-BB*O:=BE-,B.:;J,B:-m:5-N?BO,BIˆ
BŒ1n*,B?>BR-ˆB:-m:0IK-B*O:8<,B:-m:;J?*C:Mj,458<6H-m,?B*>?
-d./Q?-E?BO;J/Q?B<,4BX.B.GMS-B;N,<10XTnB*,B:-m:-d.?1<,?BO-E--E
?BO07*;g*/Q?/z?B<,4?21,4/Q?,J,=*,B?>4QV8b*5?.-X,B:-m:?BS?2I`,4T
nB*,B:-m:-d.?c?-A-E--E?BO07*;g*?c?-A-E-/z?B<,44QV8b*?.-X?x,4-m:T
BŒ1B*8*Vn1?8Œ2-B:GC,4*./.2=Œ?*,4B<,40m:?B>4*g*ˆƒB:-m:8<-A/
4*E-?B*>:BN?/Q?-E*4a0X/<-1,,4I`*-A/,BF,0IK-„TB:-m:-d.-1,,4I`*
8</Q??FVBKV0.Mb,4;<VBD-?bV5?‡,Bk,4,B:-m:-X?[,B-Bc?PA,,s,46*,B
?_,,BIs,5:7,45/z-5{5.,?1<,§0>,,Bk,4,B:-m:;J?a,B-A/5?2*?BD-5?),
?2R,45?H?BOB*9,/a,BTBk,4,B:-m:0X4r,8*J,;g*?a,B-A/-1,,4I`*54r,
8*J,;g*6HVBE??2*O,-d.+YBQ*/</¦*-1,,4I`*67,4?21,40X„Ž4:G‰,4:GC,
H5e~~‚•T
nBE*,*9/,B:-m:;<;F?-Bc?-d.B1,1,2/.,MˆB:-m:8<?1<,PQ
/1,4/:7,-d.-1,,4I`*0O-X?BO-X/Q?67-d.-A*;F?-Bc?B.GMS-B;N0O8</
Pg?=BX=Bs,-d.BRB.G?s,4VBU-8K*-B1-:Q-67,4-d.BRTBŒ1-E-B-B*.-d.
),4,B:-m:-d.-1,,4I`*-X?BO0IK--B*.8</B.*81b*TBD,Bc?8<,B:-m:;J
?q/8l5?BDB.*8<,B:-m:;J+YBQ*Žta,B),52q,*,BIK,45e~~}•TF?
-Bc?8<?c?-A,Bk,4-E*0X,44XV;<10O8</?Bo./Y,/Q?B.G,B*J:,B:-m:T,4
-B*.=BE*,*9/;F?-Bc?2.8</B.*81b*ˆ
15
Trường Đại học Nông nghiệp Hà Nội - Luận văn thạc sĩ khoa học kinh tế 15
15
F?-Bc??*>?=*9/ˆ/R*;F?-Bc?0IK-4R*8<?*>?=*9/=B*,XB*>/-X,4B¢.
=B),40d;J678IK,40O?Bo./Y,?1<,PQ/Q?B.G,B*J:,B:-m:/<,X0EVD,4T
F?-Bc??*C:?BNˆ?21,4=BE*,*9/,<G),4-B*.8</P.81b*ˆ
¨F?-Bc??*C:?BN-:7*-j,48<?1<,PQ;F?-Bc?0IK-6LMN,4?2H-?*>V0O
?Bo./Y,,B:-m:-d.-1,,4I`*T
¨F?-Bc??*C:?BN?2:,44*.,8<,Bk,481b*0IK--B:GO,BX.?21,40*J:=*9,
6A,+:c?T
¨F?-Bc??B*>?PS8<,Bk,481b*=B),4PSBcV?BNB1<,?1<,P{*/Q?8m,B1b?
0Q,4B.G?*C:?BNT
2.1.1.2 Khái niệm cầu
nBE*,*9/-m:ˆƒm:8<678IK,4B<,4BX.;<MS-B;N/<,4I`*?*C:Mj,4
Ž;g*?I-E-B8<,4I`*/:.•-X=BA,s,4;<6‹,6<,4/:.{-E-/D-4*E=BE-,B.:
Ž/D-4*E-BcV,BF,0IK-•?21,4VBb/;*=B),44*.,;<?B`*4*.,,Bc?0S,B=B*-E-
G>:?7=BE-=B),4?B.G0x*„Ž2m,s,D-5”IZ,4!:q,B[,B5e~~••T
m:?21,4,),4,4B*9V0IK-,4B*C,-D:MH.?2C,8l?B:G>?-B:,4;J-m:?BA1
8:F,?21,4=*,B?>BR-;*/)Tm:?21,4,),4,4B*9VP.14_/-m:;m6A,VB™/
,),4,4B*9V;<-m:;J-E-G>:?70m:;<15MS-B;NMj,4?21,4,),4,4B*9VTm:;J
6A,VB™/-X,Bk,4,©?=BE-;g*-m:;J0m:;<1;<MS-B;NŽ¦n*/B:,45e~~‘•T
m:-B]+:c?B*9,=B*-X0dB.*G>:?70X8<ˆ
¨X=BA,s,4/:.ˆ,4B¢.8<VBA*-X0d?*J,5-X0d,4q,6E-BT
¨h‹,6<,4/:.ˆ/:7,/:.5VBN?B:Q-;<16{?B[-B-d.,4I`*?*C:Mj,4T
i:G8:F?-m:ˆ*A6L-E-0*J:=*9,=BE-=B),40x*5=B*4*EB<,4BX.5MS-B;N
-<,4 158IK,4-m:;JB<,4BX.5MS-B;N0X-<,4[?;<,4IK-8b*T
¨</-m:ˆ
m:?BS?2I`,4/Q?81b*B<,4BX.MS-B;NVBN?B:Q-;<12c?,B*J:G>:?75-B1
,C,6H?B.G0x*-d.,Bk,4G>:?7,<G6œA,BBI{,4?2H-?*>V0>,-m:B<,4BX.MS-B
;N0XTO,4B*C,-D:/7*@:.,B94*k.-m:B<,4BX.;<-E-G>:?7A,BBI{,40>,
,X5,4I`*?.6LMN,4/Q?B</674R*8<B</67-d.-m:ŽB</-m:•T
16
Trường Đại học Nông nghiệp Hà Nội - Luận văn thạc sĩ khoa học kinh tế 16
16
</-m:-XMb,4?x,4@:E?,BI6.:ˆiŽ+5?•ª«Ž+ŠŠ%ŠŠŠ¬§•
21,40Xˆ
iŽ+5?•8<-m:B<,4B1E!+E-0S,B?21,4=B1A,?B`*4*.,?Ž,4<G5?BE,45
@:l5,s/•;<0X,4;.*?2pB</67-m:T
+ŠŠ%ŠŠŠ¬§8<-E-G>:?7A,BBI{,40>,-m:B<,4B1E!;<0X,4
;.*?2p,BI,Bk,4P*>,67-d.B</-m:TN?BO+8<4*E-AB<,4B1E!Š8<?B:
,BFV,4I`*?*C:Mj,4Š%8<4*E-AB<,4B1E-X8*C,@:.,Š8<-B:™,/H-?BSB*>:5
6{?B[-B,4I`*?*C:Mj,4Š8<@:G/)Mq,67Š¬8<=›;R,4-d.,4I`*?*C:Mj,4;J
6H0x*?B.G-d.-E-G>:?7?2C,
BI;FG5-m:;JB<,4B1E!VBN?B:Q-6H?B.G0x*-d.2c?,B*J:G>:?75
,BI,40O0Z,4*A,-B1,4B*C,-D:,4I`*?.?BI`,4MH.;<1e4*A0S,B6.:ˆ
BD,Bc?ˆ0O,4B*C,-D:A,BBI{,4-d.?‡,4G>:?70>,-m:5,4I`*?.?BI`,4
4*A6L-E-G>:?7=BE-=B),4?B.G0x*T
BDB.*ˆB</-m:-XMb,4?:G>,?[,B5?D-8<@:.,B94*k.?‡,4G>:?7;g*-m:
8<@:.,B9?:G>,?[,BT
B-,4Bb,5B</-m:VBN?B:Q-;<14*E-XMb,4iª.}¨P}T21,40Xˆ
i8<8IK,4-m:B<,4B1E!;g*;.*?2pB</675!8<4*EB<,4B1E!;g*
;.*?2p8<P*>,67Š?B./67.}?BOB*9,@:.,B9?:G>,?[,B4*k.!;<iŽ=B*!
?s,4B1z-4*A/}0Z,;S?Bai6œ4*A/B1z-?s,4.}0Z,;S•5;a;FG.}8:),-X4*E
?2Sq/Ž.}®~•TB./67P}8</Q?B3,467-B1P*>?A,BBI{,4=B),40x*-d.-E-
G>:?7=BE-Ž,41<*!•Ž2m,s,D-5”C!:q,B[,B5e~~••T
¨E-,Bq,?7A,BBI{,40>,-m:
m:;JB<,4B1E5MS-B;NVBN?B:Q-;<14*E-d.-B[,B6A,VB™/0X54*E-d.
-E-6A,VB™/=BE--X8*C,@:.,5?BSB*>:;<?FV@:E,?*C:Mj,45?B:,BFV;<=›;R,4
-d.,4I`*?*C:Mj,4TE-,Bq,?7,<G4_/ˆ
*E-d.6A,VB™/B<,4B1E0XŽ!•ˆ>:-E-G>:?7=BE-=B),40x*5?BI`,4
?Ba4*E-d.B<,4B1E5MS-B;N0X-<,4 15,B:-m:;J6A,VB™/0X-<,4[?;<,4IK-
8b*T:G,B*C,5/D-0QA,BBI{,4,<G-p,VBN?B:Q-;<1!8<81b*B<,4B1E5MS-B
;N,<1T
17
Trường Đại học Nông nghiệp Hà Nội - Luận văn thạc sĩ khoa học kinh tế 17
17
B:,BFV-d.,4I`*?*C:Mj,4Ž•ˆBI`,4?Ba?B:,BFV-<,4 1,4I`*?*C:
Mj,4-<,4-X,B:-m:?*C:Mj,4;JB<,4B1E5MS-B;N8g,TB[MN5=B*-X?B:,BFV
15,4I`*?*C:Mj,46œ?*C:Mj,4,B*J:?BD-s,0Q,4;F?;<B1.@:A?IZ*BZ,T:G
,B*C,50*J:0X=B),4VBA*8U-,<1-t,40U,4-B1/R*B<,4B1E5MS-B;NP{*;a-p,
VBN?B:Q-;<1!8<81b*B<,4B1E5MS-B;N,<1T
*E-d.-E-B<,4B1E5MS-B;N-X8*C,@:.,Ž%•ˆ21,4/Q?67?2I`,4BKV5
,B:-m:;J6A,VB™/6œ?s,48C,=B*4*E-d.-E-B<,4B1E=BE-?s,48C,Ž-E-B<,4B1E
,<G-X?BO?B.G?B>-B1,B.:•TB[MN5,B:-m:;J-E?s,4=B*/<4*E8K,?s,4;a4*k.
?BS?8K,;<-E-X?BO?B.G?B>-B1,B.:T21,4?2I`,4BKV=BE-5,B:-m:;J/Q?B<,4
B1E5MS-B;N4*A/0*=B*4*E-d.B<,4B1E5MS-B;N=BE-?s,48C,Ž-E-B<,4B1E,<GPx
?2K-B1,B.:•TB[MN54*E,Ig--d.-7-,Ig--B.,B4*A/=B*4*E0I`,4?s,48C,T
BSB*>:5?FV@:E,?*C:Mj,4;JB<,4B1E5MS-B;N0X-d.,4I`*?*C:Mj,4B.G
-Q,40_,4,4I`*?*C:Mj,4T¦*-Q,40_,4-X?*C:-B:™,;<?FV@:E,2*C,4;Js,
:7,45?*C:Mj,4Ta?B>5-m:;J/Q?B<,4B1E5MS-B;N,<10X2c?=BE-,B.:?:›?BŒ1
?BSB*>:5?FV@:E,?*C:Mj,4-d.,4I`*?*C:Mj,4T
n›;R,4-d.,4I`*?*C:Mj,4Ž¬•ˆm:B<,4B1E6œ?B.G0x*;a,XVBN?B:Q-
;<=›;R,4-d.,4I`*?*J:Mj,4Tn›;R,40IK-+Œ/8<6H/1,40K*5MH01E,-d.
,4I`*?*C:Mj,4;J6H?B.G0x*-E-G>:?7+E-0S,B-m:?21,4?IZ,48.*,BI,48b*A,B
BI{,4?g*-E-B<,4B1EB*9,?b*T>:,4I`*?*C:Mj,4MH01E,4*EB<,4B1E6œ4*A/
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,4IK-8b*TE-=›;R,4;J?B:,BFV5?BSB*>:B1z-678IK,4,4I`*?*C:Mj,450J:?E-
0Q,40>,-m:B<,4B1E0.,4+©?T
41<*2.50*J:=*9,?H,B*C,5-B[,B6E-B=*,B?>;¢/)-d.B<,Ig-Ž,BI
-B[,B6E-B?2K-cV5?B:>?B:,BFVTTT•-t,4A,BBI{,40>,-m:B<,4B1E5MS-B;NT
¨hHMS-B-B:GO,-d.0I`,4-m:
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0I`,4-m:58<6H?B.G0x*?1<,PQ0I`,4-m:?‡;S?2[,<G6.,4;S?2[=BE-T
nB*0I`,4-m:M*-B:GO,BIg,4?s,4?‡0*O/0>,0*O/?Ba8U-0X?s,4
8IK,4-m:5,4IK-8b*=B*0I`,4-m:M*-B:GO,?BŒ1BIg,44*A/?‡0*O/0>,0*O/T
18
Trường Đại học Nông nghiệp Hà Nội - Luận văn thạc sĩ khoa học kinh tế 18
18
I`,4-m:M*-B:GO,?s,4B1z-4*A/6œ8</?s,4B1z-4*A/8IK,4-m:B<,4
B1EMS-B;N?2C,?BS?2I`,4T
>:MS-B-B:GO,8C,?2C,;JVB[.VBA*?‡6.,4}?D-8<MS-B-B:GO,
?BŒ1BIg,4?s,4Ž?s,4-m:•5?2I`,4BKVMS-B-B:GO,+:7,4MIg*;JVB[.?2E*?‡
6.,4e?D-MS-B-B:GO,?BŒ1BIg,44*A/Ž4*A/-m:•T
21,4?2I`,4BKV-E-G>:?7VB*4*E,BIˆ?B:,BFV54*EB<,4B1E8*C,@:.,5
?BSB*>:6{?B[-B,4I`*?*C:Mj,45678IK,4,4I`*?*C:Mj,4TTT?B.G0x*6œ8</MS-B
-B:GO,T
2I`,4BKV0I`,4-m:MS-B-B:GO,?s,46œ?b12.eB9@:A8<8IK,4-m: 1
BZ,{/D-4*E-d.B1z-4*E 1BZ,{8IK,4-m:,BI-tTnB*0I`,4-m:4*A/6œ-X
B9@:A,4IK-8b*Ž2m,s,D-5”C!:q,B[,B5e~~••T
BI;FG5-m:;<,B:-m:-X@:.,B9/F??B*>?;g*,B.:5,BI,4=B),4VBA*8<
/Q?TB],Bk,4,B:-m:;JB<,4BX./<-X=BA,s,4?B.,B?1E,?Ba/g*8<-m:TnB*
-m:-d.?1<,?BO-E--E?BO07*;g*/z?B<,4?21,4/Q?,J,=*,B?>4QV8b*5?.-X-m:
?BS?2I`,4TnB*-m:-d.?1<,?BO-E--E?BO07*;g*?c?-A-E-/z?B<,44QV8b*5?.-X
?x,4-m:T
2.1.1.3 Các khái niệm rủi ro
*9-2.@:G>?0S,B?21,4-E-B1b?0Q,4=*,B?>0J:4zVVBA*2d*21P{*;a2.
@:G>?0S,B0IK-?*>,B<,B?2Ig-=B*P*>?0IK-=>?@:A-d.@:G>?0S,B0XTD-0Q
2d*21VBN?B:Q-;<16H?E-0Q,4-d.-E-G>:?7;<=BA,s,4=*O/61E?-E-G>:?7
?21,44*.*01b,@:G>?0S,B0>,=>?@:AT21,4=B*0X?‡@:G>?0S,B0>,=>?@:A8<
/Q?@:E?2a,BPS?E-0Q,4P{*,B*J:G>:?75?21,40X-X2c?,B*J:G>:?7,3/,41<*
MH01E,;<=BA,s,4=*O/61E?-d.,4I`*2.@:G>?0S,B,C,/D-0Q2d*218<2c?8g,T
BI;FG2d*218<4až
B10>,,.G?Ba;\,-BI.-X0S,B,4B¢.?B7,4,Bc?;J2d*215,Bk,4?2I`,4
VBE*=BE-,B.:5?E-4*A=BE-,B.:0I.2.,Bk,40S,B,4B¢.=BE-,B.:;J2d*21T
Bk,40S,B,4B¢.,<G0IK-0I.2.2c?0.Mb,45VB1,4VBU5,BI,4?X/8b*-X?BO
-B*.2.8</e?2I`,4VBE*8g,0X8<?2I`,4VBE*?2:GJ,?B7,4;<?2I`,4VBE*?2:,4
B1<T
19
Trường Đại học Nông nghiệp Hà Nội - Luận văn thạc sĩ khoa học kinh tế 19
19
a. Theo trường phái truyền thống.
¨d*218<0*J:=B),48<,B5=B),4?7?5Pc?,4`+AG2.Ž‡0*O,*>,4*9?5}‘‘‚•T
¨d*210_,4,4B¢.8<0*J:=B),4/.GŽ‡0*O,?‡;<,4k;s,*9?./5}‘‘••T
¨BŒ1?‡0*O,+«12M?Baƒd*218<=BA,s,44zV,4:GB*O/5PS0.:
0g,5?B*9?Bb*„T
¨Q?67?‡0*O,=BE-0I.2.-E-=BE*,*9/?IZ,4?H,BIˆƒd*218<6HPc?
?2r-4qG2./c?/E?5BIBb*„B.Gƒd*218<G>:?78*C,@:.,0>,,4:GB*O/56H=BX
=Bs,0*J:=B),4-Br--Br,„
¨21,4=*,BM1.,B5?E-4*A_*9:-B123,4ƒd*218<6H?x,?Bc?;J?<*
6A,B.G8<6H4*A/6U?8K*,B:F,?BH-?>61;g*8K*,B:F,MH=*>,„B1z-ƒd*218<
,Bk,4Pc??2r-,41<*l/:7,+AG2.?21,4@:E?2a,B6A,+:c?5=*,BM1.,B-d.M1.,B
,4B*9V5?E-0Q,4+c:0>,6H?_,?b*;<VBE??2*O,-d.M1.,B,4B*9V„T
BI;FG?BŒ1?2I`,4VBE*?2:GJ,?B7,4ˆƒd*218<,Bk,4?B*9?Bb*5/c?/E?5
,4:GB*O/B1z--E-G>:?78*C,@:.,0>,,4:GB*O/5=BX=Bs,5B1z-0*J:=B),4
-Br--Br,-X?BO+AG2.-B1-1,,4I`*„T
b. Theo phái trung hoà
j,4;g*6HVBE??2*O,-d.+Y?2.,4?2b*81<*,4I`*5B1b?0Q,4-d.-1,,4I`*
,4<G-<,40.Mb,45VB1,4VBU;<VBD-?bV5?Ba2d*21,4<G-<,4,B*J:;<0.Mb,4
BZ,T1,,4I`*-t,4@:.,?q/0>,;*9-,4B*C,-D:2d*21;<@:E?2a,B,4B*C,-D:
0X,BF,?BD-;J2d*21-t,4?B.G0x*;<-t,4?2{8C,?2:,4B1<BZ,T
d*218<6HPc??2r--X?BO018I`,40IK-5,X8*C,@:.,0>,;*9-+:c?B*9,
-E-P*>,-7=B),4/1,40K*TX8<6HP*>,0Q,4?*J/™,{,Bk,4=>?@:ATd*21-X
?BO+:c?B*9,?21,4Bm:B>?/R*B1b?0Q,4-d.-1,,4I`*TnB*0X2d*21,4I`*?.
=B),4?BO?[,B?1E,-B[,B+E-=>?@:AThHB*9,M*9,-d.2d*214qG8C,6HPc?0S,BT
4:G-Z2d*21VBE?6*,BPc?-D=B*,<1/Q?B<,B0Q,4M\,0>,0IK-B1z-/c?
=B),4?BOMH01E,?2Ig-0IK-Ž<1B>:c,5}‘‘|•
c. Các loại rủi ro thường gặp trong nông nghiệp
¨BX/2d*218*C,@:.,0>,?B`*?*>?ˆ8<,Bk,42d*218*C,@:.,?g*-E-B*9,
?IK,4?B`*?*>?=B),40IK-MH01E,;<=B),4?BOMH01E,;[MN,BI?E-0Q,4-d.
?B`*?*>?;<=B[?IK,4BR-;<6A,+:c?,),4,4B*9VT
20
Trường Đại học Nông nghiệp Hà Nội - Luận văn thạc sĩ khoa học kinh tế 20
20
¨d*218*C,@:.,0>,6A,+:c?,),4,4B*9VˆBk,42d*218*C,@:.,0>,-E-
,Bq,?7,BI8<6q:P9,B5P9,BMS-B{-qG?2_,4;<;F?,:)*;<A,BBI{,4-d.MqG
-B:GJ,-B>P*>,?21,46A,+:c?,),4,4B*9VT
¨d*21/.,4?[,B=*,B?>ˆ,Bk,42d*218*C,@:.,?g*6HP*>,0Q,4-d.4*E
,),4VB™/;<-E-,4:GC,8*9:0m:;<1M16HP*>,0Q,4=BXMH01E,-d.?BS?2I`,4T
¨Bk,42d*21?<*-B[,B;<B1b?0Q,4?BIZ,4/b*ˆ,Bk,42d*21,<GM16H
?E-0Q,4-d.-E-8¢,B;H-6A,+:c?=BE-?g*6A,+:c?,),4,4B*9VT
¨Bk,42d*218*C,@:.,0>,?BO-B>ˆ8<,Bk,42d*21+:c?VBE??‡-E--B[,B
6E-B,),4,4B*9V-d.,B<,Ig-
¨d*21;J/)*?2I`,4ˆ,Bk,42d*21M1,Bk,4?E-0Q,4?*C:-H--d.-E-
B1b?0Q,4,41b*D,4A,BBI{,40>,/)*?2I`,46A,+:c?,),4,4B*9VT
2.1.1.4 Một số nội dung về Bảo hiểm nông nghiệp
a. Khái niệm bảo hiểm
ƒA1B*O/8<B1b?0Q,4?BOB*9,,4I`*PA1B*O/ /=>?P_*?BI`,4Ž?BŒ1
@:G0S,B?B7,4=C•-B1,4I`*?B./4*.PA1B*O/?21,4?‡,4?2I`,4BKV6AG2.2d*21
?B:Q-VBb/;*PA1B*O/;g*0*J:=*9,,4I`*?B./4*.VBA*,QV/Q?=B1A,VB[-B1
-B[,B .,B ?. B1z- -B1 ,4I`* ?BD P.„T *J: ,<G -X ,4B¢. 8< ,4I`* ?B./ 4*.
-B*2:GŒŒ,24*.12d*21-B1,4I`*PA1B*O/P3,4-E-B,QV-E-=B1A,VB[0OBa,B
?B<,B@:“MH?2kTnB*,4I`*?B./4*.PA1B*O/4zV2d*21M\,0>,?x,?Bc?5,4I`*
PA1B*O/6œ8cG@:“MH?2k-cVB1z-P_*?BI`,4?B*9?Bb*?B:Q-VBb/;*PA1B*O/
-B1,4I`*?B./4*.T
BŒ1Œ,,*6nŒ68Œ2ˆA1B*O/8<6H0X,44XV-d.670),4;<16HPc?Bb,B
-d.67[?T
BŒ11,*@:Œ.:88*Œ2ˆA1B*O/8</Q?,4B*9V;N@:.0X5/Q?PC,8<
,4I`*0IK-PA1B*O/ /01.,?2A/Q?=B1A,?*J,4R*8<VB[PA1B*O/?BH-B*9,
/1,4/:7,0O-B1/a,BB1z-0O-B1,4I`*?BDP.?21,4?2I`,4BKV+AG2.2d*216œ
,BF,0IK-/Q?=B1A,0J,Pj-E-?x,?Bc?0IK-?2AP{*/Q?PC,=BE-ˆ0X8<,4I`*
PA1B*O/T4I`*PA1B*O/,BF,?2E-B,B*9/07*;g*?1<,PQ2d*21;<0u,Pj-E-
?B*9?Bb*?BŒ1VBIZ,4VBEV?B7,4=CT
21
Trường Đại học Nông nghiệp Hà Nội - Luận văn thạc sĩ khoa học kinh tế 21
21
BŒ1?FV01<,PA1B*O/Ž/Œ2* ,?Œ2,.?*1,821:V•-d.“0S,B
,4B¢.ˆA1B*O/8</Q?-Z-B>5BŒ1-Z-B>,<G5/Q?,4I`*5/Q?M1.,B,4B*9VB.G
/Q??x-BD--B:GO,,BIK,42d*21-B1-),4?GPA1B*O/5-),4?G0X6œP_*?BI`,4
-B1,4I`*0IK-PA1B*O/-E-?x,?Bc??B:Q-VBb/;*;<VBq,-B*.4*E?2S?B*9?Bb*
4*k.?c?-A,Bk,4,4I`*0IK-PA1B*O/T
BŒ18:F?=*,BM1.,BPA1B*O/-d.*9?./Že~~~•ˆn*,BM1.,BPA1B*O/
8<B1b?0Q,4M1.,B,4B*9V-d.PA1B*O/,B3//N-0[-B6*,B8K*5?BŒ10XM1.,B
,4B*9VPA1B*O/-BcV,BF,2d*21-d.,4I`*MIK-PA1B*O/?2C,-Z6{PC,/:.PA1
B*O/0X,4VB[PA1B*O/0OM1.,B,4B*9VPA1B*O/-B*?2A?*J,PA1B*O/-B1,4I`*
?BNBI{,4B1z-P_*?BI`,4-B1,4I`*0IK-PA1B*O/=B*+AG2.6H=*9,PA1B*O/
Ž4:G‰,s,S,B5e~~‚•
Ž}•A,-Bc?-d.PA1B*O/
¨N-0[-B-BdG>:-d.PA1B*O/8<4XVVBm,x,0S,B=*,B?>-B1,4I`*
?B./4*.?‡0X=B)*VBN-;<VBE??2*O,6A,+:c?50`*67,450_,4?B`*?b1,4:_,;7,
-B1VBE??2*O,=*,B?>;<+Y?2.,4?2b*-d.0c?,Ig-T
¨BH--Bc?-d.PA1B*O/8<@:E?2a,BVBq,VB7*8b*?x,46A,VB™/?21,4
,Ig-4*k.,Bk,4,4I`*?B./4*.,B3/0EVD,4,B:-m:?<*-B[,BVBE?6*,B?b*,b,5
2d*21Pc?,4`+AG2.?x,?Bc?07*;g*,4I`*?B./4*.PA1B*O/T
¨1b?0Q,4PA1B*O/MH.?2C,,4:GC,?r-ƒh70),4Pj67[?„T4:GC,?r-
,<G0IK-@:E,?2*9??21,4@:E?2a,B8FV@:“MH?2jPA1B*O/-t,4,BI?21,4@:E
?2a,BVBq,VB7*P_*?BI`,45@:E?2a,BVBq,?E,2d*21T
¨1b?0Q,4PA1B*O/-p,8*C,=>?54r,PX-E-?B<,B;*C,?21,4+Y?2.,4?2b*
-j,4;a8K*[-B-B:,4-d.-Q,40_,45;a6Hx,0S,B56HVB_,;*,B-d.0c?,Ig-Tƒh7
0),4Pj67[?„-t,4?BOB*9,?[,B?IZ,4?2K5?[,B+Y?2.,4?2b*;<,Bq,;s,6q:6r-
-d.+Y?2.,4?2b*?2Ig-2d*21-d./¦*?B<,B;*C,Ž4:G‰,s,S,B5e~~‚•T
Že•n*,BM1.,BPA1B*O/
n*,BM1.,BPA1B*O/8<B1b?0Q,4-d.M1.,B,4B*9VPA1B*O/,B3//N-0[-B6*,B
8K*5?BŒ10XM1.,B,4B*9VPA1B*O/-BcV,BF,2d*21-d.,4I`*0IK-PA1B*O/5?2C,
-Z6{PC,/:.PA1B*O/0X,4VB[PA1B*O/0OM1.,B,4B*9VPA1B*O/?2A?*J,PA1
22
Trường Đại học Nông nghiệp Hà Nội - Luận văn thạc sĩ khoa học kinh tế 22
22
B*O/-B1,4I`*?BNBI{,4B1z-P_*?BI`,4-B1,4I`*0IK-PA1B*O/=B*+AG2.6H
=*9,PA1B*O/Ž”:F?=*,BM1.,BPA1B*O/5e~~~•T
Žf•KV0_,4PA1B*O/
A1B*O/,4<G,.G0IK-?BH-B*9,MIg*Ba,B?BD-BKV0_,4TKV0_,4PA1
B*O/8<6H2<,4P:Q--X?[,B-Bc?2<,4P:Q-VBEV8l0IK-8FVP3,4;s,PA,5?B),4
@:.0X,4I`*?B./4*.PA1B*O/ /=>?,QVVB[PA1B*O/0O,4I`*0IK-PA1B*O/
B1z-,4I`*?BDP.Ž,4I`*0IK-BI{,4@:GJ,8K*PA1B*O/•0IK-,BF,67?*J,-B*?2A
B.GP_*?BI`,4?‡-),4?GPA1B*O/=B*VBE?6*,B-E-6H=*9,0IK-PA1B*O/?BŒ1
@:G0S,BBKV0_,4T
BŒ10*J:}e”:F?=*,BM1.,BPA1B*O/ˆKV0_,4PA1B*O/8<6H?B1A
?B:F,4*k.PC,/:.PA1B*O/;<M1.,B,4B*9VPA1B*O/5?BŒ10XPC,/:.PA1B*O/
VBA*0X,4VB[PA1B*O/5M1.,B,4B*9VPA1B*O/VBA*?2A?*J,PA1B*O/-B1,4I`*
?BNBI{,4B1z-P_*?BI`,4-B1,4I`*0IK-PA1B*O/=B*+AG2.6H=*9,PA1
B*O/Ž”:F?=*,BM1.,BPA1B*O/,s/e~~~•T
Žw•E-81b*BKV0_,4PA1B*O/
¨KV0_,4PA1B*O/-1,,4I`*
¨KV0_,4PA1B*O/?<*6A,
¨KV0_,4PA1B*O/?2E-B,B*9/Mq,6H
Ž‚•4:GC,?r--ZPA,-d.PA1B*O/
¨4:GC,?r--B]PA1B*O/2d*215=B),4PA1B*O/6H-Br--Br,
¨4:GC,?r-?2:,4?BH-
¨4:GC,?r-@:GJ,8K*-X?BO0IK-PA1B*O/
¨4:GC,?r-P_*?BI`,4
¨4:GC,?r-?B>@:GJ,
FG?b*6.1VBA*0*/:.PA1B*O/ž
A1B*O/8<Ba,B?BD--B:GO,4*.12d*21T:.PA1B*O/?BH--Bc?8</:.6H
.,?q/58<0x*8cG-E*6H=B),4-Br--Br,-X=BA,s,4+AG2.?B*9?Bb*P3,46H-Br-
-Br,?B),4@:.;*9-Pj0rVP3,4?<*-B[,BT
23
Trường Đại học Nông nghiệp Hà Nội - Luận văn thạc sĩ khoa học kinh tế 23
23
b. Các nội dung về bảo hiểm nông nghiệp
nBE*,*9/ˆA1B*O/,),4,4B*9V8</Q?,4B*9V;NPA1B*O/VB*,Bq,?BR
-X07*?IK,4PA1B*O/8<-E-2d*21VBE?6*,B?21,48¢,B;H-6A,+:c?,),4,4B*9V;<
0`*67,4,),4?B),5P.14_/,Bk,42d*214r,8*J,;g*ˆ-qG?2_,45;F?,:)*5;F??I5
B<,4B1E5,4:GC,;F?8*9:,B<+I{,4T
Ž}•E-MN,4;<0z-0*O/-d.PA1B*O/,),4,4B*9V
yE-MN,4PA1B*O/,),4,4B*9Vˆ2C,4X-0Q=*,B?>y+YBQ*5;*9-?2*O,
=B.*PA1B*O/,),4,4B*9V-X?E-MN,42c?8g,ˆ
BD,Bc?ˆXVVBm,PA1;9.,?1<,-E-81<*?<*6A,;<1@:E?2a,B6A,+:c?
,),4,4B*9V54XVVBm,x,0S,B-:Q-67,4-B1B<,4?2*9:,4I`*Mq,-j,4/Q?8U-5
x,0S,B4*E-A?2C,?BS?2I`,4?HM150z-P*9?8<4*E-A,Bk,4/z?B<,4?B*>?G>:,Bc?
,BIˆ8IZ,4?BH-;<?BH-VB™/T*J:,<G-Xl,4B¢.2c?8g,07*;g*,Ig-?.5/Q?0c?
,Ig--X=B1A,4•~†|~•Mq,6767,4;<8</;*9-{,),4?B),T
BDB.*ˆXVVBm,4*A/,Bš;<x,0S,B,4q,6E-B5x,0S,B0`*67,4+YBQ*
;<4*k;k,4.,,*,B8IZ,4?BH--B1@:7-4*.TA/PA1x,0S,B+sBQ*{=B:;H-
,),4?B),5,B`-XPA1B*O/,),4Mq,GC,?q/M:G?2a6A,+:c?/<=B),4PS0Œ1
PE/P{*,¦*81;J,K,m,,4<G-<,4?s,4T¤,Ig-?.5Bm:,BI,s/,<1,4q,6E-B
,B<,Ig-;<@:“8IZ,4?BH-MH?2k@:7-4*.-t,4VBA*?2[-B2./Q?VBm,0OB¦?2K
-B1,Bq,Mq,,Bk,4;j,4PS8t8N?5/c?/j.TBI,4?B*C,?.*?BI`,4+AG2.Pc?,4`
=B),4.*8I`,4?2Ig-0IK-Ta;FG5;*9-?2K-cV,4q,6E-B?BI`,4PS0Q,45-X
,Bk,4,s/,Bk,4=B1A,?2K-cV,<G8</-B1,4q,6E-B,B<,Ig-PQ*-B*TO=Br-
VBN-BF:@:A,<GVBA*?[,B0>,;.*?2p-d.@:“PA1B*O/T
BDP.ˆhA,+:c?,),4,4B*9V-p,8<?BS?2I`,42Q,48g,-B1-E--),4?GPA1
B*O/Tz-Mj?2*O,=B.*PA1B*O/?21,4,),4,4B*9V-p,4zV,B*J:=BX=Bs,561,4
;Z[07*?IK,48<B<,4?2s/81b*-qG?2_,4;<-1,4*.6U-=BE-,B.:6œ4*UV-E--),4
?GPA1B*O/M‰M<,4=B.*?BE-5Bb,-B>0IK-6D-©V-d.-b,B?2.,BT_,4?B`*,X
-p,VBE?B:G?7*0.@:G8:F?678g,?21,4B1b?0Q,4=*,BM1.,BPA1B*O/T>:-B]
?[,B2*C,4PA1B*O/-qG8U.5;g*BZ,|?2*9:B.M*9,?[-B4*Œ1?2_,45B<,4,s/-),4
?GPA1B*O/,Ig-?.6œ?B:0IK-/Q?,4:_,@:“PA1B*O/0E,4=O?‡VB[PA1B*O/T
i:“,<GMj,40OP_*?BI`,4;<MH?2k8<-BdG>:5,BI,4=B*-BI.6LMN,40>,6œ
24
Trường Đại học Nông nghiệp Hà Nội - Luận văn thạc sĩ khoa học kinh tế 24
24
4XVVBm,0m:?IVBE??2*O,6A,+:c?TZ,,k.5,>:?2*O,=B.*PA1B*O/0_,481b?-E-
81b*-qG?2_,4;<;F?,:)*?21,4-A,Ig--E--),4?GPA1B*O/6œ?B:BU?0IK-/Q?
8H-8IK,48.10Q,40E,4=O;<18</;*9-54XVVBm,?b1?BC/-),4;*9--B1,4I`*
8.10Q,45Bb,-B>?a,B?2b,4?Bc?,4B*9V?21,4+YBQ*;T;§
g*,Bk,4?E-MN,4?2C,5-B1,C,PA1B*O/,),4,4B*9V0Y0IK-?2*O,=B.*{
2c?,B*J:,Ig-?2C,?B>4*g*TBU,4?.P*>?23,45,),4Mq,?c?-A-E-,Ig-?2C,?B>
4*g*0J:-X?FV@:E,?IZ,4?2K4*UV0W,B.:?21,48U-=BX=Bs,Ta,B?BD-ƒQ*
?IZ,4B¦„-t,48<Ba,B?BD-PA1B*O/0m:?*C,{,),4?B),T
Že•4:GC,?r-?BH-B*9,PA1B*O/,),4,4B*9V
qG8<6A,VB™/PA1B*O/?BŒ1-Z-B>?B1A?B:F,5,4I`*,),4Mq,5-E-?x
-BD-6A,+:c?,),4,4B*9V?H,4:G9,?B./4*.PA1B*O/50X,4VB[PA1B*O/;<
0IK-P_*?BI`,4?x,?Bc?=B*+AG2.2d*21?B*C,?.*5MS-BP9,B?BŒ1@:G?r-PA1B*O/
0IK--cV-X?B™/@:GJ,ŽQ<*B[,B•VBC-B:™,
B<,Ig--X-B[,B6E-BB¦?2KVB[PA1B*O/-B1,),4Mq,5?BŒ10X=B:G>,
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Trường Đại học Nông nghiệp Hà Nội - Luận văn thạc sĩ khoa học kinh tế 25
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