Discussion On Mechanism Of Policy Forestry Insurance In Hunan Province

Hunan Province is located in the subtropical evergreen broad-leaved forest, rich in forest resources, forestry in China the fastest growing, one of the most popular activity, but also a forest disaster-prone provinces of Hunan Province in early 2008,experienced a rare snow and ice disasters, loss of large forest units and foresters. Avoid forest management of forest insurance is an important strategy of non-systemic risk and market mechanisms,however, the insurance practice in the forest, the forest insurance, commercial insurance can not be in accordance with the pure mode, forest insurance into a "lack of effective demand, supply shortages," the serious market failure situation, rapidly shrinking forest insurance.To deepen the reform of collective forest right system to better account for the majority of forest to provide insurance coverage to construct a reasonable policy of forest insurance system is imperative, in Hunan Province is China's policy of forest insurance one pilot provinces.This paper outlines the status of forest resources in Hunan Province and the main risks facing the forestry production based on the analysis, summarizes the current policy of the forest in Hunan Province to promote the need for insurance. Analysis by theoretical analysis and combined analysis of comparative analysis and the method of combining inductive, systematic analysis of the forest Insurance Development, diagnosed the main problems of forestry insurance. Hunan Forest Insurance for the problems and deficiencies of a comprehensive, systematic analysis, diagnosis of the development of Hunan Province, the government forest insurance, insurance companies and foresters three some problems, including lack of policy support for forest insurance operations, forest insurance market absence of the main issues; made forest in Hunan Province to implement the insurance policy need; for the insurance problems of Forest and forest policy for the insurance mechanism in Hunan Province, discussed the mechanism of Hunan policy framework for forest insurance design, including Hunan Province,forest principles of insurance policy, insurance, insured, insurance targets, insurance rates, premium rates, insurance and compensation standards, standards of financial subsidies, the organizational setup and operation of the other aspects of the design for the development of Hunan provincial forest policy of insurance mechanisms provide a theoretical basis and policy recommendations for promoting the policy of the forest in Hunan Province and the development of the insurance policy to construct a reasonable system of forest security is important.