我国森林保险财政补贴政策及其对林农保险需求的影响——基于湖南省林农问卷调查的实证研究
发布时间：2018-08-21 11:45
【摘要】：我国中央财政对森林保险实行保费补贴政策的目的是增加林农的付费能力,提高林农参加保险的积极性,但是实践中却存在林农投保意愿不强的问题。在对我国森林保险中央财政补贴政策实施现状分析的基础上,利用湖南省林农的问卷调查数据,分析了森林保险财政补贴对林农购买森林保险决策的影响。研究表明,在政策的推动下森林保险取得了良好的发展,但森林保险财政补贴政策仍有待完善;保费补贴对林农保险购买行为具有显著影响,在现有保费水平下,政府对森林保险保费财政补贴每提高1%,林农购买森林保险的概率增加7.6%。
[Abstract]:The purpose of the policy of premium subsidy implemented by the central finance of our country is to increase the ability of forest farmers to pay for insurance and to increase the enthusiasm of forest farmers to participate in insurance, but in practice there is a problem that forest farmers do not have strong willingness to take part in insurance. Based on the analysis of the current situation of the implementation of the central financial subsidy policy of forest insurance in China, this paper analyzes the influence of the financial subsidy of forest insurance on the decision of forest farmers to purchase forest insurance by using the questionnaire data of forest farmers in Hunan Province. The research shows that forest insurance has made a good development under the promotion of the policy, but the financial subsidy policy of forest insurance still needs to be improved, and premium subsidy has a significant impact on the purchase behavior of forest insurance, and at the present premium level, it has a significant impact on the purchase behavior of forest insurance. For every increase in the government subsidy for forest insurance premiums, the probability of forest farmers buying forest insurance increases by 7.6.
【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(JGTD2013-02,BLX2012002) 国家社会科学基金(10CGL046)
【分类号】：F326.2;F842.6
[Abstract]:The purpose of the policy of premium subsidy implemented by the central finance of our country is to increase the ability of forest farmers to pay for insurance and to increase the enthusiasm of forest farmers to participate in insurance, but in practice there is a problem that forest farmers do not have strong willingness to take part in insurance. Based on the analysis of the current situation of the implementation of the central financial subsidy policy of forest insurance in China, this paper analyzes the influence of the financial subsidy of forest insurance on the decision of forest farmers to purchase forest insurance by using the questionnaire data of forest farmers in Hunan Province. The research shows that forest insurance has made a good development under the promotion of the policy, but the financial subsidy policy of forest insurance still needs to be improved, and premium subsidy has a significant impact on the purchase behavior of forest insurance, and at the present premium level, it has a significant impact on the purchase behavior of forest insurance. For every increase in the government subsidy for forest insurance premiums, the probability of forest farmers buying forest insurance increases by 7.6.
【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(JGTD2013-02,BLX2012002) 国家社会科学基金(10CGL046)
【分类号】：F326.2;F842.6
【参考文献】
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