s y SAN LONG CHI TRA
BAO HIEM TOM THE CHAN TRANG:
TRl/OiNG HOP CAC HQ NUOI TAI
PHlTCfNG NINH GIANG, THI XA NINH HOA, TINH KHANH HOA
• N G U Y I N THI KIM ANH - HOANG PHLfdNG ANH
TOM TAT:
Nghien ctfu nham danh gia nhu cau thara gia bao hiem tdra the chan trang (BHTTCT) va mtfc dp san sang chi tra phi BHTTCT cua cac hd nudi. Nghien ctfu stf dung rad binh hdi quy Logit de phan tich cac nhan to' anh htfdng de'n quye't dinh san long tham gia BHTTCT va md hinh hoi quy OLS de phan tich cae nhan to' anh htfdng de'n mtfc san sang chi tra phi BHTTCT. Ke't qua rad binh Logit cho tha'y: trinh dp hpe van eua ehu hd eao, dien tich ao nudi ldn, ehu hp cd tham gia tap hua'n ky thuat nudi, chu bp ed tham gia td cdng ddng thi ed nhu cau tham gia BHTTCT nhieu hdn. Ket qua md binh hdi quy OLS cho tha'y: nhan td tudi, trinh dp cua chu bp cang cao thi hp se san sang chi tra phi bao hiem tdm the chan trang cao hdn; cdn nhan to dien tich ao nuoi, sd ngtfdi phu thude trong gia dinh cang cao thi se chi tra phi BHTTCT tha'p hdn. Nhtf vay, de bao hiera tdra the chan trang dtfdc trien khai thtfc bien d dia phtfdng trong thdi gian tdi, cac doanh nghiep bao hiera can quan tara tdi dac diera va nhu cau cua ndng hp khi thie't ke cac san pham bao hiem. Trong khi dd, Chinh phu can cd cac chinh sach hd trd ve viec thanh lap cac To cong ddng/Td hdp tac/Hdp tac xa trong nudi trdng thuy san; hd trd dao tao, tap hua'n ve ky thuat nuoi tdm the chan trang de cd the thu hut stf tham gia mua BHTTCT cua ngtfdi ndng dan.
Tff khoa: San long chi tra, bao hiem, tdm the chan trang, phtfdng Ninh Giang, thi xa Ninh Hda, tinh Khanb Hda.
1. Dat vafn de
Bao hiem ndng nghiep (BHNN) dtfdc danh gia la rapt cd che hieu qua nhara dara bao an sinh xa hdi va giam thieu ganh nang tai ehinh cho nhttng hp ndng dan hi anh htfdng bdi eac rui ro khac nhau [1].
Chinh phu Viet Nam da ban hanh cac chinh sach va trien khai rapt sd chtfdng tnnh thi diem BHNN tai Viet Nam ttf nhttng nam 1982. Tuy nhien, phan ldn eac chtfdng trinh nay deu khdng that sif thanh cdng.
Do dd, nham thuc day toan dien BHNN tai Viet Nam, ngay 01/3/2011, Thu ttfdng Chinh phu da ban hanh Quyet dinh sd 315/QD-TTg ve viec thifc hien thi diem BHNN giai doan 2011 2013 tai 21 tinh, thanh phd vdi ba loai hinh san pham la Bao hiem cay lua (7 tinh), Bao hiera vat nudi (9 tinh) va Bao hiem thuy san (5 tinh) vdi muc tieu giam thieu m ro nhara binh dn thu nhap ba con ndi chung va ho nudi tdm ndi rieng.
290 So 13 Thdng 10/2018
KINH OOANH
Nghe nudi tdm gitt vai tro quan trpng trong nudi trong thuy san eua tinh Khanb Hda, trong dd tdra the chan trang dtfdc ehu trpng trien khai. Khanb Hoa cd 05 vung nudi tdm chinh la huyen Van Ninh, thi xa Ninh Hda, thanh phd Nha Trang, huyen Cara Lam va thanh phd Cam Ranh. Chtfdng trinh thi diem BHNN (eu the BHTTCT) chtfa dtfdc trien khai tai tinh Khanb Hda. Tac gia thtfc hien nghien ctfu "Stf san long chi tra bao hiem tdm the chan trang: Trtfdng hdp cae hp nudi tai phtfdng Ninh Giang, thi xa Ninh Hda, tinh Khanb Hda". Muc tieu ciia nghien ctfu nhara tim hieu nhtfng ye'u to' tae dong den quyet dinh tham gia BHTTCT va mtfc dp san sang chi tra phi BHTTCT cua eac hp nudi tdm.
Ttf dd, se dtfa ra nhttng khuyen nghi de chttdng trinh bao hiem tdm the chan trang dtfdc trien khai thtfc hien tai dia phtfdng trong thdi gian tdi.
2. Phffdng phap nghien cffu
Thdng tin stf dung trong nghien ctfu dttdc thu thap ttf cac ngudn thtf cap va sd cap. Trong dd, thong tin thtf cap dttdc thu thap ttf eac bao cao ve tinh hinh nudi tdm chan trang d dia phttdng hang nam, cac bai bao va cac nghien ctfu trong ntfdc va qudc te cd lien quan de'n van de BHNN. Thdng tin sd cap dtfdc thu thap thdng qua phdng van trttc tie'p hp nudi dia phtfdng dtfa tren bp eau hdi dtfdc soan trtfdc. Trong dd, 120 hp nudi tdm dtfdc lifa chpn thuan tien ttt danh sach 151 hp nudi tdm tai phttdng Ninh Giang, thi xa Ninh Hda.
Sd lieu thu thap dttdc dttdc xtf ly va phan tich stf dung vdi 2 md hinh chinh, bao gdm:
(i) Md hinh hdi quy Logit danh gia cac nhan to' anh htfdng den quye't dinh san long thara gia BHTTCT. Trong dd bie'n phu thude la bie'n gia phan anh quye't dinh san long tham gia vao BHTTCT cua hp, nhan gia tri 1 khi hd quye't dinh san long tham gia va 0 Icbi hp quye't dinh khdng san long tham gia. Cac bien giai thich trong md hinh bao gdm cac bie'n lien quan de'n dac diera nhan khau va dac diem san xua't cua hp. Cu the, mo binh cd dang nhtf sau:
BHNN = Po + PiXj + P2X2 + £ (V Trong dd:
XI: Nhdra bie'n dpc lap phan anh dac diem nhan khau hp
X2: Nhdm bien dpc lap phan anh dac diem boat dpng san xua't hp
s: Phan dtf, bao gdm eac yeu to'khdng giai thich dtfdc bang md hinh
(ii) Md hinh hdi quy OLS danh gia cac ye'u td tac dpng den mtfc dp san long chi tra phi BHTTCT cua hp nudi. Trong do bie'n phu thude dtfdc lifa chpn la mtfc dp san sang chi tra phi BHTTCT cua bp nudi, do Itfdng bang so' tien hd san sang chi tra phi BHTTCT tren tdng thu nhap ttf nudi tdra cua hp trong 01 nara. Phtfdng trinh cu the cd dang:
Tylechura = Po + PlX} + ... + / A + £ (2) Trong do: Xj- X„ la cac bie'n dpc lap tac dpng den ratfe dp sfn long chi tra cua bd Pj j5^ la he sd ttfdng tfng vdi cae bie'n dpc lap. Ltfu y la cae bie'n dpc lap cua Md hinh 2 dtfdc Itfa chpn tttdng ttt vdi Md hinh 1. Ngoai ra, mot so' bien dpc lap dtfdc dtta vao ttt ke't qua dieu tra dinh tinh dd'i vdi cac hd nudi va can bd dia phtfdng.
3. Kdt qua nghien cffu 3.1. Ket qua thdng ke mo td
Ke't qua thd'ng ke md ta ve dac diem cac hp nudi trong mlu dieu tra dttdc trinh bay tai cae Bang 1 va 2, trong dd the hien gia tri trung binh cua cac hp san long tham gia bao hiera, hp Ididng san long thara gia bao hiera va ket qua chung.
Ket qua thd'ng ke md ta tai Bang 1 cho tha'y dp tudi trung binh eua chu hp trong mau dieu tra la 51 tudi va so' nam di hpc cua eac ehu hd nay la tren 10 nam, trong dd trinh dp hpe van trung binh eua eac hd sfn long tham gia BHTTCT cao hdn so vdi cae bd khdng sfn long thara gia. Ldi nhuan ttt nudi tdm the chan trang eua eac bd trung binh la 39 trieu ddng/nara va cac hp san long thara gia BHTTCT ed thu nhap eao hdn cae bd khdng sfn long tham gia BHTTCT la 4,21 trieu ddng/nara.
Trong do, eac nhan td nhtt dien tich, cd tham gia tap hua'n ky thuat nudi tdm, thara gia vao td cdng ddng eua eac hp san long tham gia BHTTCT cao hdn so vdi cae hp khdng sfn long thara gia
Trong 120 hp nudi dtfdc khao sat, cd 49 hp nudi tra ldi rang ed biet, ed nghe thdng tin tren dai, bao ve Chtfdng trinh BHNN (chiem 41%), 71 hp nudi tra ldi rang hp chtfa bie't gi ve Chtfdng trinh BHNN ve tdra nudi (chiera 59%). Tuy 100% hp nudi chtta tttng dttdc tham gia chttdng trinh thi diem bao hiera ndng nghiep, nhttng ra't nhieu hp sfn long thara gia BHTTCT khi nghe de cap de'n chttdng trinh nay.
Tren thtfc te, Thu ttfdng Chinh phu ban hanh Quyet dinh so' 315 ngay 01/3/2011 ve viec thtfc hien thi
So 13 Thdng 10/2018 291
Bong 1. Doc diem nhan khdu v d son xudt Chi tieu
Tudi CLia chu hp (tudi)
Trinh dp hpc van cua chu hp (sd nam)
Loi nhuan tCJ hoat dpng nuoi torn (trieu ddng/nam) Sd nam nuoi tom the chan trang cua hp gia dinh Dien tfch ao nuoi tom the (ha)
Hp CO tham gia tap huan ky thuat nuoi tom Hp cd tham gia vao td cong ddng
Chung 51,6 10,17
39 12,61
0,45
Hd san long tham gia
51,69 12,45 20,68 13,18 0,49
85 81
H$ khong san long tham gia
51,21 8,28 16,47 10,71 0,41
35 39
Nguon: Tinh todn ta sdlieu dieu tra Bang 2. Thdng ke mo ta c d c chi tieu lien q u a n d e n BHNN
Chi tieu Hp cd bie't thong tin ve BHNN
ML/C san Idng chi tra phf BHNN (nghin ddng/ha/nam)
Chung - 6.603
Thap nhat 49 2.500
Cao nhat 71 8.330
diem bao hiem ndng nghiep giai doan 2011 2013.
Ddi ttfdng dtfdc thara gia bao hiem thuy san la ea tra, ca basa, tdm su, tdra the chan trang. Khu vtfc thtfc bien thi diem thude 5 tinh: Be'n Tre, Sdc Trang, Tra Vinh, Bac Lieu va Ca Mau. Khanb Hda la tinh chtfa dtfdc thi diem ve bao hiera ndng nghiep. Theo tinh toan ttt eac ralu thu thap dttdc cua tac gia, ngttdi nudi tdra tai phttdng Nmh Giang, thi xa Ninh Hda sfn sang tra BHTTCT vdi mtfc phi 6.603.000 ddng/ba.
3.2. Ke't qua mo hinh logit
Nguon: Tinh todn ta sdlieu dieu tra
Ke't qua rad binh logit cho tha'y tnnh do cua chu hp, dien tich nudi, thara gia tap hua'n ky thuat nuoi va tham gia td cdng ddng la nhtfng ye'u td co tac dpng de'n quye't dinh san long tham gia vao BHTTCT cua hd nudi. Bang 3.
Md hinh cho tha'y chu bd ed trinh dp hoc van cao thi nhan thtfc, stt hieu bie't ve dich vu bao hiem ndng nghiep ndi chung (BHTTCT ndi rieng) cung nhtf ldi ich cua dich vu nay cang nhieu, ttf do cac hd nudi se chu dpng thara gia bao hiem de phong ngtfa rui ro. Ke't qua nay phtf hdp vdi ket qua
Bdng 3. Ket qud mo hinh logit Cac nhan to anh htfdng
1. Hoc van cua chu ho 2. Sd nam l<inh nghiem 3. Dien tfch ao nudi 4. Chi phf nudi tom
5. Tham gia tap huan ky thuat nudi 6. Cd biet thdng tin ve BHTCT 7. Tham gia td cong dong Hang sd
Sd quan sat
Ky hl$u HOCVAN SNKINHNGHIEIV!
DIENTICH CHIPHI TAPHUAN TTBAOHIEIVI THAIVIGIATCD
120
H$so 0,1556 -0,0041 9,2549 -0,0133
4,0067 -0,8338 4,3012 -13,5400
P-Value 0,069 0,956 0,064 0,617 0,000 0,341 0,000 0,022
Nguon: Tinh todn ta sdlieu dieu tra
292 sd 13-Thdng 10/2018
KINH OOANH
nghien ctfu cua Nguyin Qudc Nghi va cdng stt [2].
Chu hp cd dien tich nudi cang Idn xac sua't tham gia bao hiem tdm the chan trang ldn hdn nhttng hd khong cd dien tich ao nudi nhd. Ket qua nay phu hdp vdi ket qua nghien cttu cua Phan Dinh Khdi va cdng stt [3]. Cac hp nudi cd tham gia tap hua'n ky thuat nudi tdra thi nhu cau raua BHTTCT ldn hdn cac hp khdng dttdc thara gia tap hua'n. Ket qua nay phu hdp vdi ket qua nghien cttu cua Phan Dinh Khdi va cdng stt [3]. Cac hp nudi cd thara gia td cong ddng thi nhu cau mua BHTTCT ldn hdn cac hp khdng tham gia td cdng ddng.
3.3. Ket qud mo hinh hoi quy OLS
Ket qua rad hinh hdi quy eac ye'u to' anh htfdng den mtfc sfn long chi tra phi BHTTCT tren thu nhap ttf nudi tdm cua cae hd tren dia ban phtfdng Ninh Giang, thi xa Ninh Hda, tinh Khanb Hda dttdc the hien tai Bang 4. Trong do, rad binh cd he sd R- hieu chinh la 0,6431 ed nghia stf thay ddi cua bie'n phu thude - Stf sfn long chi tra phi BHTTCT dtfdc giai thich 64,31% la do anh htfdng cua cac nhan td dpc lap trong rad hinh nghien ctfu. Cdn 35,69% la do anh htfdng cua cac nhan to ngoai rad binh. Dieu nay cho tha'y rad hinh dtfdc giai thich ttfdng dd'i va CO y nghia thdng ke.
Trong 07 nhan to' dtta vao rad hinh hdi quy
"Phan tich cae nhan to' anh htfdng de'n mtfc sfn long chi tra phi BHTTCT" thi ed 04 nhan td cd y nghia thdng ke (vdi mtfc y nghia 1%), dd la: Tudi cua chu hp, Hpe van cua chu hp, Dien tich ao nudi, Sd ngtfdi phu thude trong gia dinh. Cdn 3 nhan to':
Sd^nam kinh nghiera, Bie't thdng tin ve bao hiera torn the chan trang, Thara gia td epng ddng khdng
cd y nghia thdng ke (cd P-value > 0,1).
Tudi cua chu hp cd rad'i ttfdng quan thuan vdi mtfc sfn long chi tra phi BHTTCT va phu hdp vdi ky vpng da'u da dat ra. He so' tfdc Itfdng cua bie'n tudi mang da'u dtfdng cd nghia la khi chu hp cd tudi cang eao thi nhan thtfc ve tara quan trpng cua BHTTCT cang cao va hp sfn long tra phi BHTTCT cang cao. Cd the giai thich dieu nay la nhttng ngtfdi tre tudi cd stfc khde tdt, hp ludn nghi rang neu gap rui ro trong nudi tdra vdi stfc tre bp khdng ngai bat dau gay dtfng lai, tie'p tuc nudi va se thanh cdng trong cac vu tie'p theo. Cdn ngtfdc lai, ngtfdi ed dp tudi cao hdn se y thtfc hdn trong viee nudi chac chan, hp cang ky vpng stf an tara trong san xua't nhieu hdn, dam bao stf thanh cdng cua vu nudi, vi ne'u that bai cdng them ldn tudi hp se rat ngai phai bat dau lai ttf dau, khi thara gia tra phi bao hiem ngay ttf dau hp se ed dtfdc stf dam bao chac chan ndu khdng thanh cdng se ed vd'n de btf dap vao vu sau.
Trinh dp eua chu bd cd anh htfdng nha't dinh den mttc sfn long chi tra phi BHTTCT, vdi cac ye'u to' khac khdng ddi, trinh dp hpc van ed quan he ty le thuan vdi mtfc sfn long chi tra phi bao hiem tdm chan trang. Dieu nay ngu y rang chu hp ed hpe van cang cao thi cang sfn long chi tra phi bao hiem tdm chan trang cang cao. Thttc te ebo tha'y, neu chu hp cd trinh dp hpc van eao thi nhan thttc, stt hieu bie't ve dich vu bao hiem ndng nghiep ndi chung (BHTTCT ndi rieng) eung nhtf ldi ich eua dich vu nay cang nhieu, ttf do cae hd nudi se ehu
Bdng 4. Ket qud mo hinh hoi quy OLS
Cac nhan to anh htfdng 1. Tudi cua chu hp
2. Trinh dp hpc van cua chu hp 3. Sdnam kinh nghiem
4. Dien tich ao nuoi
5. Sd ngtfdi phu thuoc trong gia dinh 6. Co biet thong tin ve BHTCT 7. Tham gia td cong dong Hang sd
So quan sat
Ky hi$u TUOI HOCVAN SNKINHNGHIEIVI
DIENTICH SNPHUTHUOC
TTBAOHIEM THAMGIATCD
C 120
HSso 0,0373 0,0847 -0,0226 -2,9360 -0,3968 -0,0423 0,0972 3,3093
P-Value 0,0111 0,0196 0,1035 0,0000 0,0003 0,7778 0,5365 0,0004
Nguon: Tinh todn td sd lieu dieu tra
Sdl3 Thdng 10/2018 293
ddng thara gia bao hiem de phdng ngtfa rui ro.
Sd' ngtfdi phu thude trong gia dinh cd rad'i ttfdng quan nghich vdi mtfc sfn long chi tra phi BHTTCT va phu hdp vdi ky vpng da'u da dat ra.
Dieu nay ngu y rang, dd'i vdi eac bd nudi, sd ngtfdi phu thude trong gia dinh cang cao thi kha nang san long tra phi BHTTCT cang tha'p hdn.
Thtfc te cho tha'y, neu trong gia dinh sd ngtfdi phu thude nhieu, chtfa ed viee lam de ttf nudi sd'ng ban than thi chu hd nudi phai tdn nhieu chi phi de nudi sd ngtfdi phu thude dd. Do dd, hp se ban che them cac chi phi phat sinh nen chtfa sfn long chi tra cho phi BHTTCT. Dd'i vdi nhttng gia dinh so' ngtfdi phu thude tha'p hdn hoac khdng cd ngtfdi phu thuoc hp se bdt dtfdc nhtfng chi phi trang trai gia dinh nen viec sfn sdng chi tra cho phi BHTTCT se d l dang hdn.
Md'i quan he ngtfdc chieu gitta nhan td' dien tich nudi va ratfe phi sfn sang chi tra BHTTCT eua bp cho tha'y dien tich cang ldn thi kha nang chi tra phi cho rapt ddn vi dien tich cang nhd. Ket qua nay cd the bieu dtfdc khi tinh tdi tdng phi bao hiera cua bp gia dinh, hp ed dien tich cang ldn thi tdng phi bao hiera cang eao, do do hd ed xu htfdng mong mud'n chi tra tha'p bdn cho mdi ddn vi dien tich. Cdn dd'i vdi bp ed dien tich nhd hdn, hp lai sfn sang chi ratfe ldn bdn ebo 1.000 ra^dien tich ao nuoi. Theo ly giai cua cae hp nay, hp lo sd khi ao nudi bi dich benh trong giai doan tdra nudi dtfdi 40 ngay tudi thi kha nang mat trang rat ldn.
Dd'i vdi cae hd nudi cd dien tich ao nudi cang ldn thi Icba nang thiet hai do mat trang se ldn bdn cac hp nudi ed dien tich nhd bdn.
Cd the nhin nhan, ket qua khi phan tich eac nhan td anh htfdng den quyet dinh sfn long tham gia BHTTCT va mtfc sfn long chi tra phi BHTTCT gitta cac nghien ctfu khdng phai khi nao ciing ddng nha't. Cd nhttng nhan td' phu hdp, nhttng eung cd nhttng nhan td di ngttdc lai vdi ket qua nghien ctfu trttdc. Trong nghien ctfu eua tae gia, nhan td thara gia vao td epng ddng cd the coi la phat hien mdi phu hdp vdi dieu kien thttc te tai phtfdng Ninh Giang, thi xa Ninh Hda, tinh Khanb Hda.
4. Ke't luan va kie'n nghi
Ttt ket qua phan tich cho tha'y mac du thi diem BHNN (cu the BHTTCT) chtta dttdc trien khai tai
phttdng Ninh Giang, thi xa Ninh Hda, tinh Khanli Hda, nhttng phan ldn, ngtfdi nudi that stf rat quan tam va mong raud'n dtfdc tham gia BHTTCT.
Ke't qua phan tich hdi quy Logit cac nhan to anh htfdng de'n quye't dinh san long thara gia BHTTCT cua tac gia cho tha'y nhifng ho nuoi thara gia BHTTCT thtfdng la nhttng hp co chu ho trinh dp hpe van eao, dien tich ao nudi ldn, tham gia tap hua'n ky thuat nudi tdm, tham gia td cong ddng. Tac gia da thtfc hien md hinh bdi quy OLS de danh gia mttc sfn long chi tra phi BHTTCT cua bd nudi, do Itfdng bang sd tien hp san sang chi tra phi BHTTCT/tdng thu nhap ttf boat dpng nudi tdra eua chu hd trong 1 nam. Ket qua cho tha'y, tudi cua ehu hp nudi cao, hpc van cua chu hd nudi cao thi bp sfn long chi tra phi BHNN cao hdn. Nhttng dien tich nudi tdm cua hp tang va so ngtfdi phu thude trong gia dinh cao thi chii ho se chi tra ratfe phi BHTTCT tha'p hdn.
Tdket qud phdn tich dinh tinh vd dinh liipng, tdc gid diia ra cdc de xuat sau:
Tuyen truyen, phd bie'n rpng rai ldi ich ciia BHTTCT va cac van de lien quan den BHTTCT se giup ngtfdi nudi trdng thuy san tin ttfcing hc(n ve loai binh bao hiem cdn dang rat mdi nay, dong thdi, giup hp nhan thtfc dung dan nha't gia tri dich thtfc ma bao hiera raang lai.
Tang ctfdng cdng tac tap hua'n ky thuat nuoi tdm. Qua cae Idp tap hua'n ky thuat, ngtfdi nuoi dtfdc cung cap va cap nhat kie'n thtfc ve ky thuat nudi trdng, ap dung ky thuat nudi phii hdp cho dd'i ttfdng tham gia bao hiem, ddng thdi co cdhoi tiep nhan day du ndi dung chinh sach bao hiem, ben canh dd ngttdi nudi se nhan tha'y ro difdc nhttng rui ro trong qua trinh nudi tdm nhtf: chat Ittdng con gid'ng, dich benh trong qua trinh nuoi, bien ddng gia cua cac chi phi dau vao... Ttf do, dinh httdng cho ngttdi nudi trdng thuy san thay dttdc viee nudi tdm can dxiOc bao hiem la mot cdng eu tai chinh phdng tranh rui ro httu hieu.
Tao dieu kien cho ngtfdi nudi md rpng dien tich nudi tdra. Chinh quyen dia phtfdng can nhanh chdng trien khai quy hoach chi tiet vung nuoi trdng thuy san ndi chung va quy hoach chi tiet vtf ng nudi tom ndi rieng. Dd'i vdi hd cd dien tich nudi tdm ldn, hp se tinh de'n neu rui ro xay ra se 294 So 13 Thdng 10/2018
KINH OOANH
thiet bai rat ldn, de yen tam cho viec dau ttf md rpng san xua't ngtfdi nudi tdm se quye't dinh tham gia BHTTCT eao hdn.
Can hd trd viee thanh lap eac Td hen ket/Td cong ddng/Hdp tac xa trong nudi trdng thuy san.
Vdi sd Itfdng ngtfdi tham gia HTX cang ddng, ldi ich ddi vdi toan the epng ddng se cang tang len va viec trao ddi thdng tin se cang d i dang hdn (do cac thdng tin nay se dttdc dtta xud'ng HTX thay vi dtfa xud'ng ttfng hd ca the).
Dd'i vdi cae cdng ty bao hiem can nang cao nang life, dam bao giai quye't bdi thtfdng khi rui ro xay ra rapt each nhanh chdng thda dang. Can xay dtfng va phat trien mang Ittdi cung cap dich vu bao hiera vdi nhieu hinh thttc nhtt dai ly bao hiem dpc lap nham giup ngtfdi dan de dang tie'p can vdi dich vu bao hiem nay. Nghien ctfu xay
difng san pham bao hiem tdm nudi phtf hdp vdi quy md, dien tich va dieu kien nudi cua cac hd nudi tdra.
Can cd stf phdi hdp gitfa cae ban nganh dia phtfdng va cac cd quan. Vi BHTTCT la loai hinh bao hiem rat radi, rat phtfc tap, rui ro cao. Mat khac, cd che ehinh sach thtfdng khdng dttdc ra soat, danh gia va stfa ddi bd sung kip thdi de dap tfng dtfdc thtfc te^ nen phai cd stf phdi hdp ddng bp, kip thdi cua cae ban nganh dia phtfdng eung vdi ngttdi dan va doanh nghiep bao hiera de thttc hien BHTTCT cd hieu qua. Chinh phu can xay dttng cd che phdi hdp, cung cap thdng tin gitta cac nganh vdi ddn vi tham gia BHTTCT ndi rieng va BHNN ndi chung, day se la mot can ctt phap ly quan trpng trong viec hdp tac, chia se thdng tin ve BHNN •
TAI LIEU THAM KHAO:
1. To chdc Nong luang Lien Hpp Qudc (FAO), Bdo hiem nong nghiep tai khu vUc Chdu A Thdi Binh Duang (Agricultural insurance in Asia and the Pacific region), Bangkok: NXB Vdn phdng Chdu A Thdi Binh Duang (RAP publication), 2011.
2. Phan Dinh Khoi vd Qudch Vu Hiep (2014), Cdc nhdn tddnh hudng de'n quye't dinh tham gia bdo hiem tdm nudi ciia hp nong ddn tinh Bac Lieu. Tap chi Khoa hpc Trudng Dgi hpc Can Tha, sd35, trang 97 104, Dgi hpc Cdn Tha.
3. Nguyin Qudc Nghi, Nguyin Thi Ngpc Yen, Quan Minh Nhut (2013), "Nhu cdu tham gia bdo hiem nong nghiep ciia ndng hp trong thanh long huyen Cha Gao, tinh Tien Giang ", Tap chi Khoa hpc vd Cdng nghe lam nghiep, sd 4, trang 103 108.
Ngay nhSn bai: 19/9/2018
Ngay phan bien danh gia va sufa chii'a: 29/9/2018 Ngay chap nhan dang bai: 9/10/2018
Thdng tin tdc gid:
1. PGS.TS. NGUYEN THI KIM ANH Trtfcfng Dai hoc Nha Trang
2. HOANG PHlJGNG ANH Trtfcfng Dai hoc Nha Trang
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WILLINGNESS TO PAY PREMIUMS OF THE WHITE LEG SHRIMP INSURANCE:
THE CASE OF FARMING HOUSEHOLDS IN NINH GIANG WARD, NINH HOA TOWN, KHANH HOA PROVINCE
• AssocProf, Ph.D. NGUYEN THI KIM ANH Nha Trang University
• HOANG PHUONG ANH Nha Trang University ABSTRACT:
The smdy is to assess the demand for the white leg shrimp insurance and the willingness of farming households to pay premiums for their white leg shrimp farming. The study uses the Logit model to analyze factors influencing the decision of farming households to participate in the white leg shrimp insurance and uses the OLS regression model to analyze factors influencing the willingness of these farming households to pay premiums for their white leg shrimp farming insurance. Results from analyzing the Logit model indicate that the higher education level of the bead of households is, the bigger the farming area is, the more actively households participate in, the higher demand of households for the insurance is. The OLS regression model shows that the older and the higher education level the households get, the raore likely the households pay the preraiuras for their white leg shrimp insurances. Meanwhile, the larger the farming area is and the bigger size of households is, die less likely the households pay the premiums thek insurances. As a result, to implement the white leg shrimp insurance m locals effectively in the coming time, insurers should pay attention to the characterisites and the demand of farming households to develop appropriate products. In addition, the Govemement should develop support poUcies for the estabhshment of community groups, co-operatives in the aquacultural production, for technical traming activities about farming the white leg shrimp to attiract raore households to take part in the white leg shrimp insurance.
Keywords: WiUingness to pay, insurance, white leg shrimp, Ninh Giang ward, Ninh Hoa town, Khanh Hoa province.
296 So 13 Thdng 10/2018