Research On Development Of Forest Insurance In The Forest Ecological Funtion Regionalization Of Greater Kningan And Lesser Kningan Mountains

The forest ecological function regionalization of Greater and Lesser kningan Mountains is an important forest ecological function regionalization of the national limit developing zone and the biggest state-owned forest region of China, which administrative areas across Inner Mongolia Autonomous Region and Heilongjiang province. It plays irreplaceable role on ecological security, climate change and long-term supply of timber. This area is an important climate zone that dividing the line between monsoon and non-monsoon. So, forest disasters especially forest fire occur frequently, which not only have an huge impact on the economic and social development and people’s lives, but also have far-reaching influence on the growth of vegetation under the forest system. So, this region has completely objective demand for this best tool of transferring forest risks.Because of state-owned operation form building, the central government and local governments need invest a huge sum of money to pay the forest disasters losses every year in order to restore forestry production and maintain normal life, which has become a heavy economic burden. So, government needs carry out the forest insurance and relief the burden through the operation of insurance company. Because of "principal-agent", forest enterprises rely on the compensation and salvation of forest disaster from government that lead these forest enterprises highly dependent on government and lack of the willingness to buy forest insurance. Furthermore, forest enterprises also have a heavy burden so that it is different to take out a huge sum of money to pay the forest insurance besides supporting the confused social spending. This reality of nether willingness nor capability for insurance restricts the development of forest insurance in some extent. Therefore, finding a reasonable organization of forest insurance and reasonable design of technical elements is the key point of developing forest insurance.First, the paper makes a comparative research of the development of forest insurance at home and abroad. Using comparative analysis, based on the forest insurance development in more than20years of China, the paper investigates the present situation of forest insurance in China, summarizes problems and obstacles of the forest insurance. It analyzes common features and successful experience of forest insurance between the northern Europe, the United States, Japan, Australia Russia and other countries to get some beneficial enlightenment for development of our forest insurance, which provides referential points for the forest insurance system of the forest ecological function regionalization of Greater and Lesser kningan Mountains.Second, the paper analyzes the present situation, the influence factors of forest insurance and the main body behavior of the forest ecological function regionalization of Greater and Lesser kningan Mountains. Based on these basic situation, the ecological location of the forest ecological function regionalization of Greater and Lesser kningan Mountains is very important, the quality and value of forest ecosystem service is significant, while its economic and social development is not optimistic. The main influence factors are the degree of forest management, the rate of forest disaster and the level of forestry development by regression analysis. Then, the paper analyzes the main body behavior and makes clear government should be not only the subject of insurance system but also the subject of organization supply under the present property rights. Forest enterprises have unwillingness and incapability to insure and insurance companies also have unwilling to cover under this high loss and high rate of compensation.Then, the paper makes qualitative research on insurance pattern of the forest ecological function regionalization. Based on the game theory model, the paper discusses two kinds of insurance, competition mechanism and monopoly mechanism. It shows that the forest ecological function regionalization should take compulsory forest insurance for ecological forest. Under the monopoly mechanism, the objective function between the insurer and the whole society is uniformly. It means the decisions form government can achieve optimization of the forest ecological function regionalization and maximize social welfare. And it makes clear that the forest insurance pattern of combining compulsory with allowance is the correct choice of developing forest insurance in the region.Then, the paper designs insurance products for the forest ecological function regionalization of Greater and Lesser kningan Mountains. The paper designs diversified insurance products based on difference of forest management. From the actuarial theory, it determines the forest fire insurance premium by losing method. Try to use MODIS date products and the Temperature Vegetation Drought Index (TVDI) to deeply analyze the forest fire insurance premium. At the same time, it determines the sum insured form the characteristics of forest ecological and economic value in the forest ecological function regionalization of Greater and Lesser kningan Mountains.Then, the paper constructs organization of the forest insurance for the forest ecological function regionalization of Greater and Lesser kningan Mountains. Firstly set up a state-owned insurance company specialized state-owned forest insurance and its branch responsible for forest insurance of the state-owned forest region of Greater and Lesser kningan Mountains. Secondly, it chooses Delta strategy model to guide the strategic management of forest insurance, which provide a strategic tool to analyze problems and judge situations for the development of forest insurance. At the same time, the paper makes clear the organization structure and organization system and definite organization system from synergistic system, incentive system and security system that try to service for development of forest insurance in this area.Finally, the paper puts forward some suggestions and effective measures from policy, government and academy to promote the development and effective operation of forest insurance in the forest ecological function regionalization of Greater and Lesser kningan Mountains.