我国林业巨灾保险风险分散体系的构建及政策保障

发布时间：2018-06-29 13:37

本文选题：林业巨灾保险 + 风险分散　；参考：《农村经济》2017年01期

【摘要】：目前,我国单靠政府财政和社会捐助的风险管理模式并不能解决根本问题。我国没有像国外那样建立巨灾保险体系,林农面对巨灾,缺乏基本的生产和生活保障。本文在分析目前我国林业巨灾保险制度现状、存在的主要问题及其深层次原因基础上,考察美国、日本、法国三种具有代表性国家的农业巨灾保险制度模式及其特征,并借鉴国外成功经验,提出建立以保险为重要内容的政府主导,市场化运作的多层次林业巨灾保险风险分散体系的初步构想。同时,为保证该模式的顺利实施,提出了构建"公平有效、形式多样"的财政补贴政策;建立"银保合作、协同推进"的巨灾保险风险分散运行机制等我国林业巨灾保险制度的保障措施。
[Abstract]:At present, the risk management mode of government finance and social donation alone can not solve the fundamental problem. China does not set up catastrophe insurance system as abroad, and forest farmers face catastrophe and lack basic production and living security. On the basis of analyzing the present situation of forestry catastrophe insurance system in our country, the main problems and their deep reasons, this paper investigates the agricultural catastrophe insurance system model and its characteristics of three representative countries, the United States, Japan and France. Using the successful experience of foreign countries for reference, this paper puts forward a preliminary idea of establishing a multi-level risk dispersal system of forestry catastrophe insurance with government leading and market-oriented operation with insurance as an important content. At the same time, in order to ensure the smooth implementation of the model, the paper puts forward the construction of "fair, effective, diversified" financial subsidy policy, the establishment of "bancassurance cooperation," Coordinated advance "catastrophe insurance risk dispersing operation mechanism and so on our country forestry catastrophe insurance system safeguard measure."
【作者单位】：北京林业大学;宁夏大学经济管理学院;
【基金】：中央高校基本科研业务费专项资金项目“森林保险运行机制与保费补贴政策优化研究”(编号:2015ZCQ-JG-01) 国家自然科学基金项目“基于风险区划的中国森林火灾险费率厘定研究”(编号:71403022) 北京市社会科学基金项目“北京市公益林保险运行机制与实施效果评价”(编号:14JGB047)的阶段性研究成果
【分类号】：F842.64

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