政策性森林保险制度设计创新研究

The Research on Institutional Innovation of Forest Insurance System in China

自启动中央财政森林保险保费补贴试点工作开始,森林保险已经取得了显著的成绩,但也面临着诸如林农投保积极性不高、保险公司供给不足、产品设计与实际需求不符、保额费率厘定不合理等问题,造成这些问题的根源是森林保险的制度设计存在缺陷。文章从法律标准、组织体系建设、分类经营、完善森林保险财政补贴体系以及建立巨灾风险分散机制等5个方面,提出了完善政策性森林保险制度的具体措施。

It has been a common belief that, China＇ s forest insurance has been received significant achievements since the launch of the central fiscal forest insurance premium subsidies pilot project. In spite of this, there are still some improvements, including the motivation of insurance supply, the correction of the mismatching between the product design and the actual needs, and the adjustment of unreasonable coverage and rate. An effective solution is to redesign some parts of the flawed forest insurance system. To achieve this goal, this paper gives a concrete mea- sure of innovating the policy system of forest insurance from five aspects： the formation of the legal standards, the construction of the organization system, the classification of management, the perfection of the subsidies system and the establishment of the catastrophe risk disperse mechanism.