摘要
森林保险属于政策性保险范围。森林保险范围窄 ,森林保险经营者风险集中 ,赔付率高 ,保险公司难以获得经济效益 ,商业保险公司的盈利性与政策性的矛盾 ,造成森林保险展业难、收费难、理赔难。实践证明 ,我国森林保险的健康发展 ,要遵循林业经济和森林保险规律 ,多元化的森林保险体系 ,重视立法工作 ,用法律来保障森林保险的发展。使森林保险彻底与商业保险分开经营 ,摆脱商业保险公司制度对森林保险的限制。国家对森林保险实行政策倾斜 ,同时不断创新 ,不断完善保险公司组织形式、保险承保方式 。
Forest insurance belongs to the range of the policy insurance.For the insurance company,its narrow scope makes the proprietor′s risk and the premium much higher. It is very difficult getting profit and causing the conflict of the profit and the policy. It has been proved that for indemnify the development of forest insurance we should defer to the rules of the forestry economy and insurance, upbuild system of forest insurance, make much of the lawmaking. To separate forest insurance and commerce insurance thoroughly, we must get rid of the limit of the merchants′principle on forest insurance. The nation should set up the forest insurance by policy, and making new change to strengthen the forms of the company and insurance. All of these will improve the forest insurance steady under new international circumstance in our country.
出处
《河北林果研究》
2000年第4期307-312,共6页
Hebei Journal of Forestry and Orchard Research
