PPP模式在我国森林保险经营模式创新中的应用初探

PPP Model in Forest Insurance Application Management Pattern Innovation

森林保险作为集体林权制度改革的一项重要配套改革内容,已经成为集体林权改革能否顺利推进、林业发展能否持续的关键。森林保险准公共物品属性导致的"市场失灵",和林业生产经营者对于森林保险这一公共服务的需求差异性导致的"政府失灵",决定了单一地由商业机构或政府来提供森林保险都存在弊端。所以,引入PPP模式,于适当的时机建立相对独立的"森林保险计划",探索构建全国森林巨灾/大灾风险准备金支持下的、政府制定规则并进行监管和协助、利用商业保险公司的服务网络以及风险管理技术经办、按省进行保费统筹的公私合营森林保险模式,有利于解决森林保险的健康可持续发展问题。

Forest insurance, as an important reform content of the collective forest tenure reform, has become the key that whether collective forestry change can be successfully promoted and forestry development can be sustainable. Forest insurance quasi-public goods attribute to ＂market failure＂ and demand differences of forestry production operators for forest public service of insurance lead to ＂government failure＂, had decided solely forest provided by insurance commercial organizations or governments exist shortcomings. Therefore, to introduce the PPP model, in proper time to establish independent ＂forest insurance plan＂, to explore the catastrophe, constructing national forests, under the support of the strike risk reserve and government regulations and monitor and assist, using the commercial insurance company＇s service network and risk management techniques, according to the organization of the whole province private insurance joint venture insurance pattern ,is advantageous to solve the health sustainable development question of forest insurance.