信托制度在促进我国林木保险发展中的应用

Application of Trust System in the Development of Forest Insurance in China

我国在促进林木保险发展时主要采取补贴方式,具体分为向林农补贴和向保险公司补贴两种方法。经过分析,认为直接对二者进行补贴效果较差,提出了信托制度作为第三方参与到林木保险发展中的设想。通过明确委托人(政府)、受托人(信托公司)以及受益人(林农)在信托运作时的权利与义务,认为信托制度可以规范并整合保险需求,鼓励保险公司涉入林木保险业务,促进我国林木保险发展,并逐步缓解政府相关的财政压力。最后,提出信托制度在具体应用时的注意事项。

In China, subsidy is a main form to promote the development of forest insurance. It includes two ways to provide subsidies, one is to provide farmers and the other is to provide insurance companies. After the analysis, indicates that both kinds of subsidies have little effect and brings forward the consideration that trust system should be taken into as a third -party participant in the development of forest insurance. By clarifying the rights and obligation of client （Government）, the trustee （Trust Company）, as well as the beneficiaries （farmers） in the operation, reveals that trust system can standardize and integrate the needs of insurance, encourage insurance companies dealing with relevant affairs, promote the development of forest insurance, and thereby gradually ease the financial pressure on the government. Finally, presents several matters needing attention when trust system comes to the application.