가축질병치료보험 가입에 따른 한우 농가의 방역치료비 변동성 완화 효과 분석

Abstract

This study assessed the efficacy of livestock disease insurance by examining changes in risk premiums related to the mitigation of volatility in disease treatment costs, rather than focusing on alterations in productivity, cost, or profit. The analysis revealed that the risk premium adjustments for Korean Hanwoo beef farms increased in tandem with the perceived effectiveness of mitigating disease treatment cost per head volatility. Additionally, these adjustments escalated with higher tendencies toward risk aversion within the same scenario range. Korean Hanwoo beef fattening farms experienced more significant changes in risk premiums compared to Korean Hanwoo beef breeding farms, based on livestock types. Furthermore, smaller-scale farms exhibited relatively substantial variations in risk premiums for livestock disease insurance. Consequently, it is deemed crucial to analyze insurance utilization and perceptions regarding its effects tailored to specific farm characteristics. This approach aims to facilitate the nationwide expansion of livestock disease insurance, contributing to the stabilization of management in Korean Hanwoo beef farms. Moreover, considering these factors concerning livestock types and farms scales will enhance insurance subscriber satisfaction and aid in determining ways to efficiently support medical services.