森林保险制度体系重塑与运行机制优化

森林保险市场存在有效需求不足、创新供给乏力、地方政府参与积极性低的供需双冷局面,财政补贴政策低效运行。其根本原因是缺乏独立的适应其特殊性的森林保险制度体系作为保障,致使现有运行机制不协同,产品体系不科学,补贴机制不合理,导致市场发展缓慢。为此,通过林业风险与林业生产的属性特征分析,确定我国森林保险属性定位应是有政府支持的商业性森林保险,在此基础上围绕运行模式、产品体系、财政补贴体系建立相应的运行机制,从而构建一套独立综合的森林保险制度体系与运行机制,以改善供需双冷市场僵局,保障财政补贴政策有效发挥,推动森林保险健康持续发展。

Remolding of system and optimizing of operational mechanism for forest insurance

In the forest insurance market, there is a dual cold situation of insufficient effective demand, weak innovation supply and low enthusiasm of local governments to participate, and the financial subsidy policy is inefficient. The basic reason is the lack of independent forest insurance system to adapt to its particularity as a guarantee, which makes the existing operation mechanism uncoordinated, the product system unscientific, the subsidy mechanism unreasonable, and resulting in the slow development of the market. Therefore, based on the analysis of the attribute characteristics of forestry risk and production, it is determined that the attribute orientation of forest insurance in China should be commercial forest insurance supported by the government, on this basis, the corresponding operation mechanism should be established around the operation mode, product system and financial subsidy system, so as to build an independent and comprehensive forest insurance system and operation mechanism, thus to improve the deadlock between supply and demand in the cold market, ensure the effective play of financial subsidy policies, and promote forest insurance develops healthily and continuously.