林业信贷与森林保险关联关系与合作模式研究

Study on the Association and Cooperation Model of Forestry Insurance and Credit

在金融支持林业发展过程中,信贷和保险两大金融政策发挥着巨大作用。只有大力促进林业信贷与森林保险互动发展,才能构建完善而高效的林业金融服务体系。然而,我国林业信贷与森林保险合作从总体上说尚处浅层起步阶段,理论研究与具体实务中均缺乏对两者互动机制的系统探索。为填补这一研究空白,本文结合林业信贷与森林保险互动发展的现实需要,阐述了林业信贷与森林保险耦合机制的经济学原理,并通过分析林业信贷与森林保险的耦合机制,依据对林农信贷与保险需求实证观察探讨林业信贷与森林保险的关联关系,以此来验证建立林业信贷与森林保险互动机制具有现实基础,提出跨市场的机构合作和跨市场的产品合作两种对接模式。通过以上分析,本文认为林业信贷与森林保险耦合机制的有机结合具有可行性,这一合作模式符合我国实际情况,并可以提高信贷机构、保险公司及林业经营者预期收益,建议探索建立信贷与保险制度框架,以此来增进金融机构之间的合作层次。

The credit and insurance plays a significant role in the process of supporting forestry.Efficient forestry financial services system need the interactive development of both forestry credit and forest insurance.However,the cooperation of forestry credit and forest insurance are still at the initial stage.There are lacks of systematical exploration both in the theory research and in the specific practices.In order to fill this research gap,this paper discusses the relationship between forestry credit and insurance based on the necessity of the interactive development of forestry credit and forest insurance.Furthermore,it elaborates economic principles of the coupling mechanism between forestry credit and insurance.By analyzing the coupling mechanism of those two instruments and using empirical observation of foresters＇demand in credit and insurance,this paper proves the possibility of the interaction mechanism of forestry credit and forest insurance.In addition,it puts forward two docking modes：cross-market products cooperation and crossmarket agencies cooperation.Through the above analysis,this paper comes to the conclusion that it is feasible to combine forestry credit with forest insurance.This coupling mechanism is in line with China＇s practical situation and can improve the expected return of credit institutions,insurance companies and foresters.Therefore,it is recommended to build a systematical frame of credit and insurance so that the cooperation level of financial institutions can be enhanced.