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- capriciile vremii - grindina - vijelie , furtuna - inghet tarziu de primavara

pierderi financiare posibile. evenimente / riscuri. - capriciile vremii - grindina - vijelie , furtuna - inghet tarziu de primavara - inghet timpuriu de toamna alunecari / prabusiri de teren anumite boli la animale incendiu. seceta inundatii

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- capriciile vremii - grindina - vijelie , furtuna - inghet tarziu de primavara

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  1. pierderi financiare posibile evenimente / riscuri • - capriciilevremii • - grindina • - vijelie, furtuna • - inghettarziu de primavara • - inghettimpuriu de toamna • alunecari / prabusiri de teren • anumiteboli la animale • incendiu • seceta • inundatii • inghet de iarna • pandemii • lipsautilaje • lipsaresursefinanciare • foarfecapreturilor • (scumpire input-uri, ieftinire output-uri) • variatii de pret MIC ←−−−−−− IMPACT −−−−−−→ MARE • furturi • boli (fungi) si daunatori • insecte • pasari • iepuri, soareci, popandaii, etc. • - caprioare • mari • - mistreti - invaziile de daunatori mici - omizi - paduchi - paianjeni probabilitatea de producere MICA ←−−−−−− FRECVENTA −−−−−−→ MARE

  2. Strategii de abordare dauna medie TRANSFER - asigurare - instrumente financiare PREVENIRE / EVITARE - imbunatatiri funiciare - selectionare soiuri / rase rezistente - bursa cerealelor (foreward, future, options) - obligatiuni de stat - vaccinari ACCEPTARE REDUCERE - combatere daunatori - paza frecventa

  3. Structura primei de asigurare Costul despagubirilor = dauna medie x frecventa daunelor

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