agroprobПроблемы агрорынкаProblems of AgriMarket1817-728X2708-9991Казахский научно-исследовательский институт экономики агропромышленного комплекса и развития села10.46666/2025-1.2708-9991.06agroprob-2168Research ArticleЭкономический механизм хозяйствованияThe economic mechanism of managementК вопросу о страховании яблоневых насаждений в КазахстанеOn the issue of apple orchard insurance in Kazakhstanhttps://orcid.org/0000-0001-9539-6973КантарбаеваШ. М.KantarbayevaSh.

Кантарбаева Шырын Мырзахановна – основной автор; доктор экономических наук, доцент; профессор Школы права и государственного управления,

050035 ул. Жандосова, 55, г. Алматы

Kantarbayeva Shyryn - the main author; Doctor of Economic Sciences, Associated Professor; Professor of the School of Law and Public Administration,

050035 Zhandosov str., 55, Almaty

shyryn.kantarbayeva@narxoz.kzКамысбаевМ. К.KamysbayevM.

Камысбаев Марат Куралбекович - доктор экономических наук, профессор; профессор кафедры «Менеджмент и математическая экономика»,

050000 ул. Сатпаева, 22, г.Алматы

Kamysbayev Marat - Doctor of Economic Sciences, Professor; Professor of the Department of Management and Mathematical Economics,

050000 Satpayev str., 22, Almaty

m.kamysbayev@satbayev.universityhttps://orcid.org/0000-0002-2082-4678КлимовЕ. В.KlimovYe. V.

Климов Евгений Владимирович - старший научный сотрудник, Председатель Казахстанской федерации движений органического сельского хозяйства (KAZFOAM),

050057 ул. Сатпаева, 30б, г.Алматы

Klimov Yevgeniy Vladimirovich - Senior Researcher, Chairman of the Kazakhstan Federation of Organic Agriculture Movements (KAZFOAM),

050057 Satpaуev str., 30b, Almaty

fiec@mail.ruУниверситет НархозКазахстанNarxoz UniversityKazakhstanСатбаев университетКазахстанSatbayev UniversityKazakhstanКазахский НИИ экономики АПК и развития сельских территорийКазахстанKazakh Research Institute of Economy of AgroIndustrial Complex and Rural DevelopmentKazakhstan202511042025017080Copyright © Кантарбаева Ш.М., Камысбаев М.К., Климов Е.В., 20252025Кантарбаева Ш.М., Камысбаев М.К., Климов Е.В.Kantarbayeva S., Kamysbayev M., Klimov Y.V.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://www.jpra-kazniiapk.kz/jour/article/view/2168

Страхование сельскохозяйственного производства широко используется в мировой практике как один из эффективных методов защиты от влияния негативных факторов (погодных и предпринимательских рисков) на результаты деятельности сельхозтоваропроизводителей. Помощь хозяйствам в борьбе с убытками, вызванными чрезвычайными ситуациями в аграрном секторе – форма государственной поддержки садоводов для обеспечения устойчивого развития подотрасли.

Цель – обосновать необходимость проведения перспективного и ретроспективного анализа эффективности системы страхования яблоневых насаждений для обеспечения доходности агробизнеса и потребителей собственной продукцией в свежем и переработанном виде.

Методы – сравнения, обобщения экономических показателей при исследовании рынка яблок в республике за 2019-2023гг., рассмотрении динамики их импорта, а также основных стран-импортеров.

Результаты – определены объемы производства этого отраслевого сегмента, дана оценка современным подходам к страховым услугам для яблоневых садов, выявлены проблемы в агростраховании многолетних культур, обозначена необходимость проведения анализа регуляторного страхования сельскохозяйственных рисков при выращивании яблоневых деревьев, аргументирована роль местного самоуправления в решении финансовых и организационных вопросов совершенствования страхования фермеров.

Выводы – международная практика страхования агроформирований способствует обеспечению экономической устойчивости агропромышленного комплекса через совершенствование страхового механизма и масштабную страховую деятельность в агропредпринимательстве, снижению влияния погодных и аграрных рисковых событий, повышению ответственности участников страховых процессов. Серьезным препятствием в применении страховых продуктов является неустойчивое финансовое состояние садоводов, что не позволяет им осуществлять страхование на добровольной основе. Кроме того, неразвитость комплексной логистики и значительные объемы импорта продукции сдерживают развитие в республике рынка такого товара массового спроса, как яблоки.

Agricultural production insurance is widely used in world practice as one of the effective methods of protection against the influence of negative factors (weather and business risks) on the performance of agricultural producers. Assistance to farms in combating losses caused by emergency situations in agricultural sector is a form of state support for gardeners to ensure sustainable development of the sub-sector.

The goal is to justify the need for prospective and retrospective analysis of effectiveness of apple orchard insurance system to ensure profitability of agribusiness and consumers of their own products in fresh and processed form.

Methods - comparisons, generalizations of economic indicators in the study of apple market in the republic for 2019-2023, consideration of the dynamics of their imports, as well as the main importing countries.

Results - production volumes of this industry segment were determined, assessment of modern approaches to insurance services for apple orchards was given, problems in agricultural insurance of perennial crops were identified, the need for analysis of regulatory insurance of agricultural risks in cultivation of apple trees was indicated, the role of local government in solving financial and organizational issues of improving farmers' insurance was substantiated.

Conclusions - the international practice of insuring agricultural entities contributes to ensuring economic sustainability of agro-industrial complex through improving insurance mechanism and large-scale insurance activities in agribusiness, reducing impact of weather and agricultural risk events, and increasing responsibility of participants in insurance processes. Serious obstacle to the use of insurance products is unstable financial condition of gardeners, which does not allow them to carry out insurance on voluntary basis. In addition, the underdevelopment of integrated logistics and significant volumes of imported products hinder the development of market for such a mass-market product as apples in the republic.

Agricultural production insurance is widely used in world practice as one of the effective methods of protection against the influence of negative factors (weather and business risks) on the performance of agricultural producers. Assistance to farms in combating losses caused by emergency situations in agricultural sector is a form of state support for gardeners to ensure sustainable development of the sub-sector.

The goal is to justify the need for prospective and retrospective analysis of effectiveness of apple orchard insurance system to ensure profitability of agribusiness and consumers of their own products in fresh and processed form.

Methods - comparisons, generalizations of economic indicators in the study of apple market in the republic for 2019-2023, consideration of the dynamics of their imports, as well as the main importing countries.

Results - production volumes of this industry segment were determined, assessment of modern approaches to insurance services for apple orchards was given, problems in agricultural insurance of perennial crops were identified, the need for analysis of regulatory insurance of agricultural risks in cultivation of apple trees was indicated, the role of local government in solving financial and organizational issues of improving farmers' insurance was substantiated.

Conclusions - the international practice of insuring agricultural entities contributes to ensuring economic sustainability of agro-industrial complex through improving insurance mechanism and large-scale insurance activities in agribusiness, reducing impact of weather and agricultural risk events, and increasing responsibility of participants in insurance processes. Serious obstacle to the use of insurance products is unstable financial condition of gardeners, which does not allow them to carry out insurance on voluntary basis. In addition, the underdevelopment of integrated logistics and significant volumes of imported products hinder the development of market for such a mass-market product as apples in the republic.

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The authors declare that there are no conflicts of interest present.