森林保险成本和价格与供求失衡分析

Forest Insurance Costs and Prices and Analysis on Imbalance between Supply and Demand

构成森林保险产品的成本有物业和设备成本、产品设计成本、宣传展业成本、查勘理赔成本、契约成本、赔付成本;在森林保险的构成成本中,以赔付成本为主的可变成本占总成本的67%以上,保险公司难以通过扩大经营规模有效分摊成本,森林保险价格具有刚性,较高的刚性价格抑制了森林保险的需求,造成森林保险供求失衡。

The forest insurance products costs are consisted by property and equipment cost,product design costs,publicity and exhibition costs,survey and claims costs,contract costs and compensation costs;In the composition costs of forest insurance,variable costs which mainly to compensation costs occupies more than 67% of the total costs.The insurance companies have difficulties to share the costs effectively by means of expanding the scale of operation.Consequently,forest insurance prices have rigidity,the high rigid price restrain the needs of forest insurance,finally lead to the imbalance between supply and demand of forest insurance.