Insurance problems in modern agro-industrial complex

The purpose of the article is to study the state and main problems in the modern agricultural complex. The object of the author ‘s study is the agro-industrial complex of Russia, and the object is the developing insurance system of the agro-industrial complex. Applying evolutionary, comparative methods of research, studying the prerequisites for the introduction of the insurance system in the agro-industrial complex of Russia, foreign experience, the author states that the insurance institute in the countries of Europe and the USA today is at different levels of development, but at the same time significantly ahead of the domestic genesis. The increase in state support, including at the financial level, as a mechanism for the sustainable development of Russian agriculture, according to the author, is an important but obviously insufficient step in the modern situation, which does not allow to ensure the management of risks arising in the sphere of agro-industrial complex. The author systematizes the existing types of insurance in the agro-industrial complex in Russian conditions and considers the possibilities of introducing in practice various promising methodological mechanisms operating at the system level and allowing to offset and minimize the high-risk situation established in the domestic agro-industrial complex. The analysis of the situation in the Russian agricultural insurance market allowed the author to conclude that in order to further develop the mechanisms of its insurance and increase the effectiveness of the mechanisms of their application, it is necessary not a declarative, but a practical application of a systemic approach. As a result of the study, the author argues correlation of efficiency processes in the investigated area with the number and activity of stakeholders participating in the given system as determining parameters ensuring stability of the system and increase of its risk orientation. The author is talking about the need to involve a larger number of business structures and financial and credit institutions in this process in order to ensure a high level of financial support and increase the level of investment, not only the growing role of the state, as well as more agricultural producers, thereby ensuring the stability of the socio-economic development of the village.