森林保险主体博弈行为与困境解决——以四川省为例

The Gaming and Dilemma Resolution of Forest Insurance Subject:Taking Sichuan Province as an Example

森林保险是我国农业保险体系中的重要组成部分,具备降低受灾损失和为林业改革提供保险保障两方面的作用。本文基于森林保险参与主体林农、保险公司、政府三方构建预期收益博弈模型。研究表明,森林保险政策在实践过程中存在一定的不足之处,尚待完善,我国政府应尽快加大对森林保险政策的推广力度,并提高违法惩处力度,提高保险费率和赔偿额度,优化资金拨付流程,建立赔付资金划拨制度等。

Forest insurance is an important part of China＇ s agricultural insurance system, which has functions of reducing the loss of disaster and providing insurance for the reform of forestry. In this paper, the expected revenue ganfing mode is constructed based on forest insurance participation farmers, insurance companies and government. The study shows that forest insurance policy is to be improved for its disadvantages in its implement practices, and puts forward the need to increase forest insurance popularity and illegal punishment, to raise the insurance premium and the amount of compensation, to optinfize the disbursement of funds flow, establish compensation for funds transfer system and other aspects of measures.