森林保险财政补贴政策文献评述与研究展望

发布时间：2018-05-01 12:05

本文选题：森林保险 + 补贴模式　；参考：《农林经济管理学报》2017年03期

【摘要】：财政补贴对促进森林保险发展有着至关重要的作用,补贴方式和规模的确定是影响森林保险补贴政策实施效果的关键。主要从森林保险财政补贴方式、补贴规模和补贴效率3个方面对现有文献进行梳理,发现已有研究主要从需求方出发集中于对保费补贴方式的分析,对解决保险供给不足的间接补贴方式研究不足,补贴规模和补贴效率研究尚缺少强有力的理论推导和数学模型构建,因此,提出补贴政策研究必须要关注和解决保障水平不合理、费率厘定不科学和补贴比例不合理三大关键问题,并应基于森林保险需求与供给视角,体现保障水平和费率厘定差异化特征,围绕最优保费补贴规模测算的主线,通过确定合理的补贴规模,提高农户的参保率,最终实现财政资金使用效率的最大化。
[Abstract]:Fiscal subsidy plays an important role in promoting the development of forest insurance. The determination of subsidy mode and scale is the key to affect the effect of forest insurance subsidy policy. Mainly from the forest insurance financial subsidy mode, subsidy scale and subsidy efficiency three aspects of the existing literature combing, found that the existing research mainly from the demand side focused on the analysis of premium subsidies. The research on indirect subsidy to solve the shortage of insurance supply is insufficient, and the research on subsidy scale and subsidy efficiency is still lack of strong theoretical derivation and mathematical model construction. This paper puts forward that the research of subsidy policy must pay attention to and solve the three key problems, such as unreasonable security level, unscientific rate setting and unreasonable subsidy ratio, which should be based on the perspective of demand and supply of forest insurance. It embodies the characteristics of the security level and the difference of the rate determination, revolves around the main line of the optimal premium subsidy scale measurement, through determining the reasonable subsidy scale, raises the peasant household's participation rate, finally realizes the financial fund use efficiency maximization.
【作者单位】：北京林业大学经济管理学院;
【基金】：中央高校基本科研业务费专项资金项目(2015ZCQ-JG-01) 国家自然科学基金青年项目(71403022) 教育部人文社会科学基金青年项目(15YJC790022、14YJC790022)
【分类号】：F812.2;F842.66

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