Research On Mode Of Policy-related Forest Insurance In Fujian

The utilization and protection of forest resources two crucial tasks: ecological and economic development. However, the risk faced by forestry is so huge that we must through the corresponding risk dispersion means and mechanisms to avoid for reducing the loss of farmers income and forest resources. Policy-related forest insurance, on the one hand as the "visible hand”, control market failure, on the other hand as a diversification means of forestry risk, enhance the ability of farmers to resist risks, reduce the forestry production cost of foresters and promote the improvement of forestry production environment which play a irreplaceable basic guaranteeing role. But, at present, the policy-related forest insurance of China is still at an early stage, with high supply cost and low demand, so that the development is facing difficulties.This paper takes Fujian Province as a research object, which is one of pilots of our country policy-related forest insurance. Starting from the theory, this paper firstly combs the two traditional theories: public goods theory and public finance theory, and add the equilibrium price theory as supplement of theoretical basis to prove that improving foresters' insurance demand and reducing the supply cost of insurance is the key to save the policy-related forest insurance form difficulties.Second, we dig the existing problems at present stage through the analysis of the historical development mode of the policy of forest insurance, the research and datum. It includes: low demand is caused by multiple factors, the interests of insurance companies and government departments are not consistent, and the promotion mode of insurance business is inefficient. Third, use the experience modes of overseas and domestic forest insurance for reference to explore the path of coordinating the relationship of foresters, insurance companies and government departments. Finally, this paper offers some policy suggestions to promote a more scientific mode of policy-related forest insurance of Fujian Province to come into being, including: strengthening propaganda, "insurance of value", hierarchical premium rate, taking full advantages of the forestry department, strengthening fiscal premium subsidies, guiding the private insurance organizations to normalization and improving the procedures of insurance claims.