林业企业的森林保险参与意愿与决策行为研究——基于福建省林业企业的调研

Forestry Enterprises' Participation Willingness and Decision-making Behavior on Forest Insurance:Evidence from Fujian Forestry Enterprises

本文以期望效用理论为基础,分析了可能影响林业企业对森林保险支付意愿的因素,并利用福建省95家林业企业的调查数据对林业企业参与森林保险的意愿进行描述性分析,采用Logistic模型进行实证检验。研究表明,目前林业企业整体上对森林保险有强烈的需求,但是由于森林保险产品和补贴政策设计不合理,尤其是保障水平过低,保险服务无法令投保人满意,导致林业企业投保意愿不强烈。建议通过明晰企业产权结构和转变经营机制,增强林业企业盈利能力,创新森林保险产品,改善保险公司服务水平,优化保费补贴政策和建立林业信贷与保险互惠机制等措施来提高林业企业投保意愿。

Based on expected utility theory,this paper analyzes the possible affecting factors of the forestry enterprises ' willingness to pay for forest insurance, and puts forward the theoretical hypotheses. Furthermore,using the data from a survey of 100 forestry enterprises in Fujian province,this paper makes a descriptive analysis of forestry enterprises' willingness to pay for forest insurance and uses the Logistic model to make an empirical test of the theoretical hypotheses. The result shows that the forestry enterprises as a whole have strong demand for forest insurance. However,due to the unreasonable forest insurance products and subsidy policy,forestry enterprises ' willingness is not strong. Therefore, in order to increase the insurance willingness of forestry enterprise,it is suggested that clarifying the property right structure and reforming the management mechanism,enhancing the profitability of forestry enterprises,improving the innovation of forest insurance products ,improving the service level of insurance company,optimizing the policy of premium subsidies and establishing forestry credit and insurance reciprocity mechanism.