Strumenti e politiche di gestione del rischio: qual è la vera domanda? Limiti dell’attuale sistema di sostegno pubblico alla gestione del rischio in agricoltura

Historically, crop insurance have never seen a market on a large scale whithout public intervention. About the causes of the failure of the private market were often mentioned phenomena related to supply and demand. On the supply side, the phenomena of asymmetry and incomplete information, with the consequent problems of adverse selection and moral hazard, and that of systemicity risk; for the demand, however, the limited use of the insurance has been justified by the alleged failure by farmers fully understand the benefits arising from the use of this tools. More generally, what is lacking today in Italy (and Europe) is a clear identification of the demand of farmers for the several risk management tools. What are the practical difficulties and theoretical identification of the application of risk management tools? What are the limitations and approximations necessary in the estimation of demand? By highlighting the limitations of the theoretical approaches frequently used in the literature, this work try to emphasize the need to continue to identify the most appropriate theoretical model