Analysis On Supply And Demand Influence Factor Of Forest Insurance

Along with the collective forest right system reform, land flowing was positive advanced inorder. With more and more famers' production and business activities incorporated into themarket, the farmer production management risk increased substantially. The high risk of forestmanagement needs forest insurance to diversify the risks. As an effective forestry risk securitymechanism, forest insurance is the important content for deepening the reform of collective forestright system.Through carding the development history of insurance industry, agricultural insurance, andforest insurance, finding out that although the forest insurance has been developed for about30years, there still are many problems, and these problems eventually can be classified into twotypes: one is coverage is narrow, and small scale foresters are not positive to insure; another is theoperation cost is too high to make insurance company atrophy the forest insurance business. Then,we analysis the forest insurance supplier through the supply and demand model, and see theeffect that the forest insurance rates, external effect, and financial subsidies made for forestinsurance supply; research on forest insurance with the expected utility model to analysis theeffect that premium income of foresters, forest disaster risk, adverse selection, and moral hazardhave made on forest insurance. In view of these factors, in order to establish a forest insurancesystem to prevent risks effective, we proposed: to increase the forest insurance premiumsubsidies, and actively promote the increase of foresters' income; to perfect forest insurance legalsystem, and carry out proper compulsory insurance; to encourage circulation of forest land; toenhance the insurance company management ability; to pay more attention to the forest insuranceprofessional talent training.