Research On Forest Insurance Mechanism

On the basis of relevant theories about forest economy and forest insurance, with the development of forest insurance status in China, this paper, starting with the characteristics of forest, combining theoretial and empirical analysis, comparatieve and interpretation method, analyses the existing constraints and the reasons, according to which, proposes the forest insurance policy and advices and some thought during forest cultivation process with the experiences at home and abroad .The text firstly recounted the background of forest insurance mechanism, mention the purpose ,significance and methods of this research. then domestic and international research status were discuss. In the aspect of forest insurance theory, the concept of, forest resources was firstly expounded, then these theories were respectively introduce and analyse, such as value theory and reproduction theory, public goods theory, external theory, classification management theory, public finance theory. In the time of analyzing China's development of forest insurance and problems, this paper firstly researched the nature and the characteristics of forest insurance, then recount the course of forest insurance of China, points out the existing problems about forestry insurance in China from the level of insurance industry and insurance holders, the absence of forest insurance laws and regulations, the unsuitable of the existing insurance system, the insufficient support of national forest policy on. With that provides some measures and policy recommendations to forest insurance. Learned from abroad forestry insurance policy, the paper gets some inspiration: (1) The Government should active fully in forestry insurance and strengthen forestry insurance policy. (2) Diversification Organization of forest insurance system. (3) Develop forest insurance, legislation first. The principles of economic compensation, the basic protection mechenisim, prevention-oriented, use funds benign in the course of business should be followed. In these principles, the paper puts forward the following proposals: First, establish a sound system of forest cover. Second, reform the current insurance system, set up a policy of agricultural insurance companies as soon as possible. Third, governments at all levels should strengthen the support of forest insurance. Fourth, improve forest insurance mechanisms in further. Finally, the six conclusions were taken out , (1) It is necessary to realize forest insurance for developing forest. (2) The low of forest insurance should desiderate healthiness.(3) Agricultural insurer should come into existence. (4) It is direction to develop commercial insurance and disaster guarantee. (5) The standardization of production is reason of forest insurance. (6) Pricing method is a difficult question of technic and policy.