The Countermeasure Studies Of The Policy Forest Insurance’s Practices And Development In Hunan Prvince

Forestry is the basic industry and ecological security barrier of our country,the establishment of a set of high-efficiency operation’s forest insurance system which for the transfer of forestry management risk, the development of modern forestry, and to build a new socialist countryside have important significance.Under the background of national vigorously promote the development of forest insurance, the exploring of forest insurance business form, the improvement of management level and the provision of effective institutional guarantee which are all can promote the sustainable development of policy forest insurance of our country.The subject of this paper is the practical needs of farmers of Hunan Province towards the policy-related forest insurance, the detailed contents mainly included three big parts: introduction, the body and summary.. The first is the analysis of the background and significance of the topic, the literature review and research method; then analyzes the quasi-public goods attribute of forest insurance and its theoretical basis from the perspective of economics; and then mainly discusses the basic mode and analyzes the development situation of forest insurance of Hunan province.The next is the core part of this paper, Based on the investigation of200farmers in liuyang and anhua county of Hunan province,the paper collected the data of the basic information of foresters,cognition of forest insurance,understanding of the forestry risk,the willingness to pay forest insurance and the evaluation opinions for the implementing of policy forest insurance.and then, the author conduct theory with practice,qualitative and quantitative analysis,descriptive statistical analysis and empirical analysis three methods in assessing the policies and the research results show that:most farmers express a not high overall satisfaction with the policy since it has to some extent meet the demand of the foresters to diversify the forestry risk.But due to the low insurance protection level, it did not fully realize the expected role in safeguarding the dangerous condition and in compensating in a timely manner and the rationality of compensation leaves room to improve;Further by using SPSS19.0software for binary logistic regression analysis,the significant variables that impact the demand of farmers for forests insurance include their understanding of forest insurance,the importance recognition of forest insurance,The degree of education, the family economic status and forestry income weight in total household income,Whether the woodland suffered disaster,the area of family owned woodland, the insurance liability, the amount of insurance and premium subsidies to meet the situation.Among them the forestry income weight in total household income and the amount of insurance to meet the situation reached extremely significant level.Finally, the author proposes some countermeasures and suggestions to promote the development of forest insurance policy in Hunan Province,which requires a joint effort of the government,the insurance companies and the farmers.