广西沿海森林保险存在问题及优化建议

Problems and Suggestions on Forest Insurance in Guangxi Coastal Regions

为给完善政策性森林保险政策体系提供决策依据,分析广西沿海森林保险发展现状、主要成就和存在问题。结果表明,影响沿海地区森林保险发展的因素有经营主体参保意愿不强,保险公司积极性难以调动,承保理赔业务开展难度大和大灾风险分散机制不完善。建议提高经营主体的参保意愿,继续优化共保体运行模式,建立森林保险信息共享库,完善大灾风险的分散机制,以提升政策性森林保险的覆盖面,为广西全区乃至华南地区森林保险质量的提升和管理措施的完善提供优化思路及改进方向。

In order to provide decision-making basis for improving policy system of policy forest insurance,de‐velopment status,main achievements and existing problems of forest insurance in Guangxi coastal regions were analyzed.Result showed that factors affecting development of forest insurance in coastal regions included lack of operators'willingness to participate in insurance,lower enthusiasm of insurance companies,difficulty of con‐ducting underwriting and claims handling and imperfect risk dispersion mechanism for catastrophes.Improving operators'willingness to participate in insurance,continuing to optimize operation mode of co-insurance body,establishing forest insurance information sharing database,and improving dispersion mechanism of major disas‐ter risk were considered to improve coverage of policy forest insurance,which could provide optimization ideas and improvement directions for improvement of forest insurance quality and management measures in Guangxi and even southern China region.