福建省政策性森林保险模式研究

发布时间：2018-03-18 14:20

本文选题：福建省　切入点：政策性　出处：《华侨大学》2015年硕士论文　论文类型：学位论文

【摘要】：森林资源的利用与保护,肩负着生态和经济发展的双重使命。然而,林业风险众多且巨大,必须通过相应的风险分散手段和机制进行规避,以减少林农收入和森林资源的损失。政策性森林保险,一方面作为“看得见的手”调节林业市场失灵,另一方面作为林业的分散风险手段,在一定程度上赔付林农损失,降低了林农林业生产成本,对促进林业生产环境的改善有着不可替代的基础性保障作用。但是,目前我国政策性森林保险的发展仍处于起步阶段,保险供给成本居高不下、林农保险需求程度持续偏低,使其发展面临困境。本文以我国政策性森林保险试点之一的福建省为研究对象,首先从理论层面出发,对公共物品理论和公共财政理论两个传统的研究理论进行梳理的同时,以均衡价格理论对其研究的理论依据进行补充,用理论说明提高林农投保需求、降低保险供给成本是解决政策性森林保险发展困难的重点。其次,通过对其开展政策性森林保险工作的情况进行历史发展模式的梳理、实地调研、数据分析,挖掘其现阶段存在问题:多因素致保险需求偏低;保险公司与政府部门利益诉求不一致;保险业务推广模式乏力。同时,借鉴国内外森林保险的经验模式,探索在政策性森林保险过程中林农、保险公司和政府部门三方面协调关系的路径,为福建省制定更为科学可行的政策性森林保险模式提出对策建议,包括:加强宣传、“保价值”、费率分级、发挥林业部门优势、强化财政保费补贴、引导民间保险组织正规化和完善承保理赔程序。
[Abstract]:The utilization and protection of forest resources shoulder the dual mission of ecological and economic development. In order to reduce the income of forest farmers and the loss of forest resources, the policy forest insurance, on the one hand, as a "visible hand" to regulate forest market failure, on the other hand, as a means of dispersing the risks of forestry, to a certain extent, pays for the losses of forest farmers. It can not be substituted for the improvement of forestry production environment. However, the development of policy-oriented forest insurance in China is still in its infancy, and the supply cost of insurance remains high. The degree of demand for forestry insurance is on the low side, which makes it difficult to develop. This paper takes Fujian Province, one of the pilot projects of China's policy-oriented forest insurance, as the research object. While combing the two traditional research theories of public goods theory and public finance theory, and supplementing the theoretical basis of their research with the equilibrium price theory, the paper explains how to improve the insurance demand of forest farmers. Reducing the supply cost of insurance is the key to solve the difficulties in the development of policy-oriented forest insurance. Secondly, through combing the historical development model of the development of policy-oriented forest insurance, field investigation, data analysis, Excavate its present existence problem: many factors cause the insurance demand to be low; the insurance company and the government department interest demand is not consistent; the insurance business promotion pattern is weak. At the same time, draws lessons from the domestic and foreign forest insurance experience pattern, To explore the path of coordination among forest farmers, insurance companies and government departments in the process of policy forest insurance, and put forward countermeasures and suggestions for Fujian Province to formulate more scientific and feasible policy forest insurance model. It includes: strengthen propaganda, "guarantee value", rate classification, give play to the superiority of forestry department, strengthen financial premium subsidy, guide folk insurance organization to formalize and perfect the procedure of underwriting claim.
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F842.66

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